BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I have been a Rushcard member for over 10 years. Because of a " glitch in the system I can not access my account and can not get when the problem will be corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
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: Their investigation did not fix an error on your report

Complaint:
I went to XXXX XXXX XXXX from XXXX to XXXX and was swindled like many of the victims of Corinthian for-profit schools that stole millions from students. There are STILL ongoing lawsuits around this issue and settlements have already been made as reported by many mainstream sources such as here : XXXX XXXX XXXX the 3 credit bureaus CONSISTENTLY ignore letters around removing these student loans off my credit report on the basis of 1 ) ongoing litigation, 2 ) fraud and 3 ) deferment due to litigation. 

XXXX is a culprit in this issue as well, as they consistently ignore letters and simply BUMP the loans every single year ( literally every 365 days ) into deferment due to numerous reasons, the latest reason being COVID. 

PLEASE GET THESE FRAUDULENT LOANS OFF MY CREDIT. As the secured party of the debtor of these loans, we will hold all appropriate companies responsible.

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 2021-12-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, unauthorized inquiries should be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had a credit card and personal and business checking/savings account with Chse for several years. I was XXXX on XXXX XXXX, 2016 and while in XXXX my identity was stolen and all my funds were drained out of my accounts and my cards were maxed out. I was recently XXXX on XXXX XXXX and now Chase is refusing to do anything to restore my lost funds or fix my credit because I did not report the fraud fast enough, but since I was in XXXX there was no way for me to know this was occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
30 days past.response not received. 
Please removed hard inquires my credit file. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), creditors have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
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 am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I sent you all a correspondence via U.S. Mail XX/XX/2021 in regards to an inquiry that was reported to my credit report and you all received it on XX/XX/2021 @ XXXX. I also filed a CFPB Complaint which was submitted XX/XX/2021. You all did not respond through the CFPB, but I did receive a letter from you all dated XX/XX/2021. In my correspondence that I initially sent you all, it included a notarized Affidavit of Truth. An Affidavit of Truth is a statement of facts which you have to respond to lawfully point by point called a rebuttal. You all have not included this in your response, therefore my Affidavit of Truth stands and you must comply. You also stated in your response " your written authorization may not be required to constitute permissible purpose '' and please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. This is false. Pursuant 15 USC 1681a ( 2 ( b ) ), a hard inquiry should be excluded from a consumer report and pursuant 15 USC 1681b ( 2 ), written instruction was never given to you all to reflect a hard inquiry to my consumer report which is my right to do so. You all also allowed XXXX XXXX XXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). This is federal law that you all have been in violation of. Again I am asking that the invoice ( in the amount of {$3000.00} ) you received on XX/XX/2021 ( which was due on receipt ) is to be paid to me as a remedy in the form of a check due to you all being in violation of my rights as a federally protected consumer under Title 15 Chapter 41.

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 2017-05-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The issue is the Equifa  x Information Sefvices LLC is reporting that I am deceased.
My father and I shared the same name and he is now deceased and now it is affecting me because reports are claiming that I am also dece  ased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Chase Bank, took 3 1/2 years to approve a short sale. During that time they reported " past due '' on my credit reports at the XXXX credit reporting bureaus, XXXX, XXXX, and XXXX. 
They took 3 1/2 years to approve a short sale, to sell my home. 
I feel that they did this with malicious intent, for 3 1/2 years they reported negative information to the credit reporting agencies. By doing so THEY DESTROYED MY CREDIT ( FICO is XXXX ). 
Because of this NO ONE WILL RENT ME AN APARTMENT, even though I am DEBT FREE. 
I remain HOMELESS. 
Because they did this with Malicious intent, I DEMAND that CHASE BANk 's credit reporting department, remove ALL negative reporting that they reported to the XXXX Major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: TCF NATIONAL BANK
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a vehicle on my credit that i dont own and never purchased. Its in correctly on my credit report from gateway one.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For nearly a year, my mortgage servicing company has been holding funds paid through them for repairs to my home pursuant to an active claim with my homeowners insurance company. 

Needed repairs to my home have remained incomplete for more than a year because they have failed to respond to my repeated calls with requests that they engage with my insurance company to resolve the conflict between their protocol for releasing funds, and the insurance company 's protocol for advancing payments for my contractor 's incremental project bids for repairs. 

I have been reaching out to management in the mortgage company 's " Loss Draft '' department for more than two months now to attempt to engage with the proper authority, but to date have not received any response whatsoever. My insurance company has also attempted to engage with the mortgage company on my behalf also, but have been unsuccessful also. 

I am appealing to the CFPB as a last resort to enlist your assistance with getting them to give my situation the attention it deserves given how long things have languished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this debt. The description says the original creditor is XXXX and I currently have an account with XXXX so how do I owe them a debt. I have no knowledge of who Afni is and I do not have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my XXXX, Equifax, and XXXX Credit Report. 
I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My daughter recently tried to help us move and get a mortgage through Quicken Loans.. She was at my home and on the phone with them.. My wife was also in the room. I was busy playing with my grand kids and on the computer when this conversation was taking place.. I got alerted when I heard some personal info being shared. I immediately took notice and informed my daughter that whatever she was working on or with whom, to not let them run a credit inquiry on my behalf. I am in the midst of rebuilding my credit and did not need this at this time.. Too late. The Quicken loans representative informed me that he had spousal permission to authorize the inquiry.. I do n't understand that this is legal.. My daughter had been in conversation with my wife at the time and told my daughter it was ok to run a report.. However I did not authorize this action.. Is spousal consent legal?? I have contacted Quicken Loans and disputed this but to no avail. They tell me this is legal.. I feel very angry as I do n't think this is a good business practice.. Whom does it benefit? They did n't write the loan, my credit suffers and they walk away.. I thought Quicken Loans would do the right thing and remove this inquiry as they clearly stated they can hear me in the conversation strongly urging them to not pull my report. Quicken Loans absolutely wants to do nothing to help me the consumer. they told me to come back when my score was better.. They hurt my score by an unfair tactic.. Why would I ever want to do business with such a company! Again I never authorized this inquiry and our family is busy as others and I think Quicken loans was being very deceitful in the process of talking to my daughter.. I thought they would do the right thing when they pulled the tapes, but they refuse to do the right thing and let me the consumer suffer.. Please people do not allow your family to do business with Quicken Loans!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Credit Bureau of Bessemer, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked CB Bessemer Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, On XX/XX/2021 I logged onto my citi bank account and the account said account blocked. I waited for an hour to speak with someone and was told that my account had been closed by them without a reason and a check had been issued with the balance. I was concerned because I had just transferred money with XXXX that morning. I was told that that transaction would be declined and return to my XXXX. Today XX/XX/2021 the money I deposited went through to Citi bank so I called them again, because the account is clearly not closed, they told me that the account was on hold to be closed and I would get the money in 30-60 days. I can not wait 30-60 days. I have no money now. I can not get gas, or buy food. I opened an account with a different bank but have no money now. I do not understand how they can do that and leave a person without their funds for 30-60 days. I can not eat without borrowing cash from family now.

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 2021-12-31
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with the 3 major credit bureau XXXX, XXXX and Experian about the inaccurate info being reported from XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2017-03-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
This complaint is related to CFPB # XXXX and CFPB # XXXX - Details of this complaint are the same as outlined in the other above referenced complaint file numbers. This Chase card is for our business ( XXXX ) and it was opened with Chase however it is not reporting on XXXX so we are not sure what the source document that was used by Chase to make the decision to reduce our credit limits on this card. It has been open for a number of years ( over 5 ) the business has been established since XXXX. We contacted XXXX XXXX XXXX and they have a file however the file is empty because no one has been reporting XXXX to them. 
We have requesting a copy of the credit source document from Chase however as of the date in filing this complaint, we still have not received it. We also have not received a letter in writing tell us they have reduced the credit limit on this credit card - they only told us verbally in a phone conversation from XXXX, XXXX and XXXX. 
The reasons for the credit reduction ( as we were told verbally ) are all the same for the XXXX accounts we have with Chase. 
Again, we feel violated and insulted over this action and feel it is not justified. THESE PEOPLE LIED TO US AND WE WANT THEIR PROOF OF A LATE PAYMENT HISTORY ON 1 OR MORE ACCOUNTS IN WRITING. 
When I reviewed my XXXX credit report - the Chase XXXX credit card is not even showing on the report - so where are they reporting the credit rating on this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: BB&T CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XXXX/XXXX/XXXX, I accepted an offer on my home. BB & T is the current financial institution holding the mortgage on the property and it is also the lender the buyer has chosen. All required paperwork was provided in a timely manner by both myself and the buyer. Everything moved along smoothly with the appraisal and inspection. Everything that was required from myself, the buyer, the realtor, and the closing attorney had been provided to BB & T over a month ago. A later closing date was scheduled for XXXX/XXXX/XXXX by BB & T to account for the new regulations. No communication was provided at any point by BB & T about any additional delay. When I inquired my realtor if the closing on XXXX/XXXX/XXXX was confirmed he stated that BB & T did n't indicate a delay but he would check, he later stated that BB & T drop the ball and the closing is delayed without an expected date. 
I contacted the MLO XXXX XXXX in regarfs to payment as it was due on XXXX/XXXX/XXXX the scheduled closing date, she stated to just wait as surely we would close in just a few days. Fortunately I decided to make a payment to avoid a late fee since a closing date was not provided. On XXXX/XXXX/XXXX a new closing date of XXXX/XXXX/XXXX was set. At XXXX XXXX on the night before the closing, I received an email from the realtor copying the MLO email stating that paperwork was n't ready and she was sorry for " the mess ''. 
Thus far I have lost over {$1500.00} in interests, taxes, insurance and utilities due to this unreasonable and unprofessional delay and at this point I do n't even have a closing date.. 
BB & T actions ( lack thereof ) are grossly negligent as they are not loosing funds by delaying the closing, the buyer and myself are. BB & T should reimburse XXXX of my and the buyer added expenses as well as punitive damages to the CFPB to set a presidence that such irresponsible behavior is utterly unacceptable!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a pre-paid Netspend card in early XX/XX/2021. To use the card Netspend requires a social security number and other personal identifiable information. 
I followed the directions included with the card and called XXXX to activate the card, but had trouble with activating the card to use. I purchased it as a wedding gift for my niece, but she could not use it after I tried to activate it. 
My niece ( whom I gifted the card to ) and I called Netspend at XXXX ( the telephone number on the back of the card ) on XX/XX/2021 around XXXX and spoke to a guy named XXXX XXXX XXXX informed my niece and I that he would send me a check in the amount I paid- {$100.00}. He informed me that the check would arrive within 2 weeks or so, but it is XX/XX/2021 and I still have not gotten the {$100.00} check. 
I called Netspend back on XX/XX/2021, and Netspend said that they had sent the check, but I have never received it. 
I have waited on hold and spent a great deal of time trying to get my money back. The company telephone number has had me waiting for long hold times and I just want my money back.

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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