BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Submitted multiple disputes with all three credit reporting agencies account was verified as accurate. This accounts was to be removed from all my credit reports back in XXXX it is past the 7 year statute reporting period. I have evidence account date was illegally re- aged.

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 2021-10-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Submitted multiple disputes with all three credit reporting agencies account was verified as accurate. This accounts was to be removed from all my credit reports back in XXXX it is past the 7 year statute reporting period. I have evidence account date was illegally re- aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
They continue to report the information on my credit report incorrectly - I have reached out to them and all three credit bureaus on at 3 occasions via certified letter return receipt and they refuse or choose to not even respond. I believe this is due to religious discrimination so I am now reaching out to you to have them correct my three credit reports and report the account as current as I am disputing the reporting as being inaccurate according to my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Submitted multiple disputes with all three credit reporting agencies account was verified as accurate. This accounts was to be removed from all my credit reports back in XXXX it is past the 7 year statute reporting period. I have evidence account date was illegally re- aged.

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 2022-09-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022 at XXXX EST WakeField & Associates Violated my rights Under 15 U.S.C 1692c Section A : of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act that states : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt and continued Under 15 U.S.C 1692c 805 A1 at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 

They also violated my rights under 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

And Under 15 U.S.C section 1681n section A and Section 1A states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} WakeField & Associates called my personal phone number WITHOUT my consent and while I was AT WORK and HARRASSED me to pay a debt, I am now vividly XXXX XXXX. The number they called me from without my consent is XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CITIBANK, N.A.
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:
I paid down my credit card to better my credit score and improve my creditworthiness as I did to all my credit cards this month. Citibank deliberately lowered my credit limit immediately after my payment was made to intentionally blocking me into keeping my credit balance at a high credit balance forcing me to keep my credit score low. This was intentional and malicious and a deliberate act to intentionally harm me and my creditworthiness and to cause harm to my over all performance to do business and improve my life. This is an abuse of power and is not ethnically or legally correct. 
I was told that it was due to credit that was reported by XXXX. After speaking to XXXX they said that I have had 100 % pay on time and nothing has changed to worsen my credit for over 1 year. 
Credi card : Diamond Preferred ending # XXXX These are BIG BANK CROOKS!!!!!!!

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 2017-07-20
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
in XXXX OF XXXX started looking for a building to put my life long dream of opening my own XXXX XXXX  my loan officer was XXXX XXXX worked very hard an on to get my loan closed after a lot of hard work my SBA ; loan was approved by XXXX XXXX on XX/XX/XXXX from us BANK. XXXX XXXX XXXX  Left the bank in early XXXX That 's when my troubles stared the building I was sold for cash. I had to restart the loan with SBA XXXX XXXX XXXX stated dragging his feet every time I give him paper work he all would ask for more ask for more he lie so many times I lost count : after working with him to close my loan : he came to my home sat at my table to go over my last loan papers he sad they ready to close : we had been working on them for about six months after all the late nights long hours he stated you ready but you just one more form to fill out ; two days later he called Stated we have some bad news back in XXXX you filed chapter XXXX but just write a letter tell them just what happen : he called the next day stated that they will not closing on my loan!!!!

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 2020-01-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The last 2 modification where not received I had an authorized representative BECUSE I was out of the USA at the time he is a licensed realtor he wrote a letter saying he did not receive the XX/XX/XXXX dated modification before it expired with a 14 day requirement to accept. ( Turns out the Bank mistakenly mailed the mod. Offer to the wrong address not the representative. The second Modification dated XX/XX/XXXX was not mailed UNTILL for 39 days after the date of the offer. It had a 14 day requirement to accept but was not received at my representative office UNTILL well after it expired on XX/XX/XXXX. Even after the first due date of The trial payment The bank is now forgetting the correct history of the 2 errores and now saying I must pay in full or have Forclosure on XX/XX/XXXX. 
This is there fault. They say that can only offer 2 mods in 1 year. But both offers expired before we received them. My representative has put this in writing so have I. I need ti bank to accept my new application - also the bank continues to have an active sales date during the application process, appeal time and even after an approved offer This is in violation of Dual Tracking Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Transunion XX/XX/2022 to update this doubtful information. I think you have not authenticated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

BANK XXXX XXXX XXXX, BANK XXXX XXXX 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 2022-06-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Equifax XX/XX/2022 to update this doubtful information. I think you have not authenticated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
On XXXX XXXX, 2017 i contacted bank of America to inform them that my card was not in my posession and for it to be closed. I also made them aware that i was in the State of Georgia. They then issued me another card and transferred me over to the fraud dept. But the transactions are still on my new account ending in 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 monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: Mortgage Research Center, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
While under contract with a builder the lender denied me a mortgage based on information that they knew was incorrect and then forwarded this information to the builder. The builder then demanded additional money for carrying costs on the house or would cancel the contract. Due to this erroneous information I lost my earnest money and appraisal money. Approx {$2500.00}. I was never delinquent with past or present creditors. This can not be proven be this lender because it never happened.

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 2018-02-09
Company: JPMORGAN CHASE & CO.
State: MD
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 have a XXXX XXXX Rewards Card ( XXXX  ). I ordered gift cards with my points to be used for XXXX gifts. I was told by a representative by phone that my order no. XXXX was mailed to me on XX/XX/XXXX. After two weeks and no cards, I called to find out what could be done. As XXXX was approaching I had no gift cards. On XX/XX/XXXX replacement cards were mailed out, order no. XXXX. To date I have not received them. I have inquired about tracing the cards to be told that its not possible. I have spoken with our postmaster about the situation. The only conclusion we can come up with is that someone is aware of the mailing envelope and they are being stolen along the route. I continue to receive a paper copy of my bill every month and other advertisements to the same address. 

Today I called the rapid rewards bureau asking about a guaranteed mail delivery and was told they only use first class for gift cards. I also asked to have my XXXX pts. refunded to my account only to be told the situation has to be reviewed. 

I am totally frustrated with this program and reaching out for some help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
This is my XXXX 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 XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00}, and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
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:
This is my six 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 XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00}, and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2016-10-04
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried several attempts disputing inquiries that I have made not made to all the credit bureaus. I did not apply for any job now was I granted credit with and of those companies. I even sent certified letters to those creditors with no response back. I would like for all inquiries to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: AMERICAN ADVISORS GROUP
State: SC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My father passed away XX/XX/XXXX and as Successor Trustee of the Living Trust the asset is held in, I contacted the reverse mortgage company in writing on XX/XX/XXXX of my intent to sell the property to pay them off. The communication was sent to the email address they provided, and I received an automated confirmation they received it. I inquired with them to determine how much my father owed but they would not speak to me until they received the required paperwork in the XX/XX/XXXX communication. I called on several occasions only to be told the paperwork was under review but that it has not been completed yet, so they were still unable to tell me how much my father owed them. After several weeks, one of the clerks form the company told me they never received my paperwork sent to them on XX/XX/XXXX and gave me another " expedited '' email address to send it to. I resent the information on XX/XX/XXXX and that clerk did remain on the line with me to confirm it was received. 

Upon obtaining an offer to purchase the home, a payoff request was sent to the company in accordance with their instructions. Their internal policies require a 7-10 business day turnaround time upon receiving a written authorization to quote a payoff. They received said written request on XX/XX/XXXX. Multiple calls to the company confirmed receipt but that they will not quote the payoff, and had until XX/XX/XXXX to do so, which is 11 business days from the XXXX ... Today is XX/XX/XXXX and after not having received the payoff quote, they were contacted but advised that they " never processed that request. '' First, we were told they never received the request, which appears to be standard operating procedure in the first response customers are given. It was only with persistence and demanding they review again that they found it being received on the XXXX. 

I have had to delay the closing on the sale of the property solely due to their lack of submitting the payoff to us in a timely manner and it appears I may have to do it again. 

I believe the delay in my loan closing and payoff of the debt with this company should not cost me any additional interest or fees that the company will tack onto the loan since it is their gross negligence that causes these delays. 

It is apparent that the company intentionally drags out these processes to earn more and more income off of their clients. Further, I believe the company operates under standard practices that are unfair and deceptive in that they intentionally make it difficult for their clients to do business with them when they are faced with a client wanting to satisfy a debt. 

I am in the XXXX industry, XXXX  specifically, and I am disgusted by the lack of regulation on these companies when other XXXX  industries are hammered by regulation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation