BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: Upstart Holdings, Inc.
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:
I'm writing because I noticed Upstart reported a hard inquiry in XX/XX/2021 on my credit reports. The dispute options listed on CFPB are limited. I am requesting the removal of these inquiries from my XXXX and XXXX credit reports. 

I agreed to a hard inquiry for the pre-approved XXXX XXXX offer from Upstart. Unfortunately, the number of inquiries on my credit reports was more than I expected. I take full responsibility for this mistake and will ensure going forward to avoid making this mistake again. I was so disgusted with Upstart practice to create multiple inquiries and that I closed my account within a matter of months. 

My husband and I are in the process of applying for a mortgage loan to purchase our family 's dream home and the negative impact of those inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
As a married couple we own real estate of over XXXX XXXX in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service 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 explanation
Consumer complaint received 2021-09-24
Company: WASHINGTON FEDERAL BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to WaFD for a HELOC on an investment property. A branch manager verbally confirmed to me on XX/XX/XXXX that WaFD makes such loans, and these are clearly advertised on the web site here : XXXX XXXX XXXX However, after submitting all relevant information for underwriting and paying for an appraisal, my application was denied. The reasons stated on their denial letter were : " We do not grant credit to any application on the terms and conditions you have requested '' and " Second lien on Investment HELOC behind another lender '' This denial appears to say that the bank does not offer HELOCs on investment properties. I pointed out the discrepancy between WaFD 's verbal communication and online advertising and the result of my application. When I insisted on a more thorough explanation, the branch manager insisted " Yes, we offer HELOC loans. We do not however offer them under the terms you have requested. '' The branch manager refused to provide further information on what the terms I supposedly requested are, or what terms would be acceptable. I have requested clarification on this point multiple ways and received the same vague responses.

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 2017-06-21
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: Account information incorrect

Complaint:
As a married couple we own real estate of over XXXX XXXX in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service 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 explanation
Consumer complaint received 2017-06-21
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I saw that the CFPB now has a class action lawsuit with Navient which used to be XXXX XXXX. I am co-signed on my wifes loans that started off as XXXX XXXX, both private and federal. The loans, switch to Navient, and during a time of financial hardship, I called in to see what my options where. At that time I was pushed to basically defer my wife 's loans over a period of time, and told I was still encure interest but no payment would take place. I see this is exactly what the lawsuit it for and wanted to make note that it has happened to me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my XXXX Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX Balance {$0.00}

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 2021-05-04
Company: Investment Retrievers, Inc.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I could not list all the complaints I have on this company and the employee, but this employee has called numerous times my cell and work phone. This debt was over a repo that was resold a month or two after it was picked up from my possession in XXXX. So this is over 7 years old. He has put a lien on my bank acct and now threatening to call the county that I just purchased my home in and put a lien on my home. He hasn't used bad language, but has talked verbally abusive to me and my boss. Also gave more info ( PHI ) to my boss then need to conduct his work. And I have been off work 3 times without pay for XXXX. I am a frontline worker. The debt that he is trying to collect is XXXX. The lien on my acct was done XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency in question persists in illegally trying to collect on a XXXX XXXX store credit card that was closed by me in the Summer of XXXX, submitted for collection on XX/XX/XXXX and subsequently disputed as inaccurate on countless occasions, although the creditor and collection agency steadfastly refused to generate a legitimate amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
AS AN CONSUMER AGAIN, I CAN NOT BE DENIED CREDIT. I TOLD THESE PEOPLE I NEVER OPENED AN ACCOUNT WITH THEM AND THEY STILL CLOSED THE INVESTIGATION WITH FOOLISHNESS. AGAIN THEYRE VIOLATING my federally protected consumer rights 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002. I Sent them a Adverse notice through an email I was provided. So again try again. NEVER RECEIVED A FRAUD # AS WELL. So what information are you even talking about to be exact?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
PHH reverse mortgage. My father died-XXXX Called PHH XX/XX/22 to find out what I needed to do ( selling property to pay reverse ). Uploaded documents on XX/XX/22 ( will, death certificate, letter of intent, questionnaire ) XXXX called to upload court executrix paperwork and they claim never received the XX/XX/22 documents XX/XX/22 Re uploaded ALL documents and executrix. XX/XX/22 received email for XXXX payout. 
XXXXunder contract Law office called for payout and wire instructions-was told there were no documents uploaded so they would not give payout quote. Faxed all documents again on XX/XX/22. Called XX/XX/22 was told nothing received could fax/email documents directly to payout department with request for payout quote. Faxed and emailed all documents again on XX/XX/22 to payout department. XXXXdocuments received but not uploaded would take 3-5 business days-will ask for expedited-call back tomorrow. XXXXcalled-no documents uploaded so cant give payoff quote-they are sending request to legal dept to look over documents before they can be uploaded and quote generated. This blatant delay tactic may cause the selling of the house to not go through. I need some help and for someone to look into the practices of PHH mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions 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:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX  Experian XXXX  Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 
-XXXX XXXX XXXX XXXX- XXXXXXXX -XXXX  XXXX/XXXX XXXX- XXXXXXXXXXXXXX XXXX XXXX XXXX- XXXX XXXX/XXXX- XXXXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXXXX Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information. 
Sincerely, XXXX XXXX XXXX Enclosed : A copy of my Identity Theft Report Copies of my drivers license and social security card ( to verify my identity and address ) A copy of section 605B of the Fair Credit Reporting Act Also, please note : * Please remove allnon-account holding inquiriesover 30 days old.

* Please add aPromotional Suppressionto my credit file.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

This is identity theft and I expect you all to protect me and follow the guideline of the laws accordingly.

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 2017-06-21
Company: U.S. BANCORP
State: VA
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:
Signed up for US Bank Altitude reward card on XX/XX/XXXX, with the primary reason being their 3X reward points on digital wallet purchases. I bought a XXXX Smartphone to be able to take advantage of this feature of the card. As soon as I received the card, I began using the card for all my purchases, from travel, to groceries, to everyday miscellaneous spending. On XX/XX/XXXX, I tried to use my card at a grocery store like I had several times before. It did n't work. I was n't sure if it was the digital wallet feature ( XXXX XXXX ) or the card itself. I called US Bank and they told me they could n't tell me what the problem was, but I was given a name and number in the investigations department. I called the phone number the next day ( XX/XX/XXXX ) and left a message. I got in touch with a representative the next day ( XX/XX/XXXX ) and was told that my card was closed because I had violated the card agreement by purchasing gift cards. I had done so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I buy one gift card for my wife each week for her purchasing as a tool for budgeting. I have done this with other credit cards for years and never had a problem. While it would be inconvenient, I would have no problem not doing this on the US Bank card ( even though it is normal spend on my card ), but that my card was closed with no warning seems to violate any customer service standards or card agreements.
Additionally, upon account closure, I lost any access to rewards points that I had accrued.

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 2017-06-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : I have filed 3 disputes just this year with Equifax, and 2 disputes with XXXX  and XXXX, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an e-oscar response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to Equifax on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from XXXX  or XXXX and its well past the 30 period. I am submitting this complaint for Equifax due to lack of investigation into my original dispute and to XXXX and XXXX for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
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:
I'm writing because I noticed XXXX reported a hard inquiry in XX/XX/2021 on my credit reports. The dispute options listed on CFPB are limited. I am requesting the removal of these inquiries from my XXXX and Equifax credit reports. 

I agreed to a hard inquiry for the pre-approved XXXX XXXX offer from XXXX. Unfortunately, the number of inquiries on my credit reports was more than I expected. I take full responsibility for this mistake and will ensure going forward to avoid making this mistake again. I was so disgusted with XXXX  practice to create multiple inquiries and that I closed my account within a matter of months. 

My husband and I are in the process of applying for a mortgage loan to purchase our family 's dream home and the negative impact of those inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, XXXX continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, XXXX, none but 3 inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a chase british airways credit card. The offer terms stated that I would receive XXXX Points if I spent {$3000.00} on my card within 3 months of opening my card. I have done this. My statement showed that I would receive the british airways points. ( see attached ) However the points did not show into my British airways account. When I contacted chase about this they told me that my British Airways account had to be registered in the USA for  me to receive the points, and that I should change the address on my british airways account to a US address. I have done this over two weeks ago, I called chase and they said they will have the points transferred within a few days however I am waiting over 2 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for the Experian credit monitoring on the Experian website. The agreement is you get to see your scores and have access to monitoring for 7 days for {$1.00}. If you do not cancel during the 7 days, you get charged {$24.00}, and then {$24.00} every month thereafter.

I signed up and paid the {$1.00} o

n XX/XX/XXXX. Two days later, on the XX/XX/XXXX, I signed back in to cancel. The website informs you that cancellation can ONLY happen via phone, and a phone number is provided. I called the number, and after waiting on hold for over 2 hours, I finally had to leave the phone I was calling from. Now today, on XX/XX/XXXX, I have again experienced the same thing. It has quickly become painfully obvious that there will be no telephone conversation with Experian before XX/XX/XXXX, the date on which they are
scheduled to take my first {$24.00}.

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 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In XXXX, XXXX, XXXX and XXXX of 2019 Transunion allowed XXXX funding to place a collections account on my credit report. XXXX did not allow the oppurtunity to dispute the account before reporting it. I have submitted online disputes via transunion to have this account removed and Transunion has allowed the account information to be parrotted via XXXX I requested verification and substantiation from XXXX each month and the company did not properly address my dispute request. I called transunion to submit a dispute about XXXX informing them that the company has not validated or substantiated this account per my request. I asked TransUnion to verify how they validated this debt and they could not tell me .Transunion and XXXXXXXX have both broken the law and need to have this alleged account deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation