BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After over 120 days of sending TransUnion several dispute letters directly using USPS certified mail green receipt return. They continue to willfully ignore, not take any actions, and continue to furnish detrimental inaccurate negative accounts on my consumer report. I have attached the most recent dispute letter I sent them below just for CFPB records. TransUnion has been in receipt of this letter now for over 35 days and willfully has not taken any action as legally required. TransUnion continue violating multiple sections of the Fair Credit Reporting Act including 15 USC 1681i by failing to properly and legally investigate these erroneous accounts. With the help of the Federal Trade Commission and my State Attorney General, I will be enforcing for all damages I the consumer have incurred pursuant to 15 USC 1681o of the FCRA.

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 2021-06-16
Company: EQUIFAX, 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 have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2021-06-21
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Money was wired in US Dollars ( XXXX ) to a Domiciliary account in XXXX on XX/XX/2021. The money was supposed to be paid to the recipient 's domiciliary account in US Dollars but Citi bank changed it to the XXXX local currency, Naira can not be paid into domiciliary account but dollars like I wanted. This caused a problem where the recipient was not able to receive the money. I decided to call Citi bank to recall the money on XX/XX/XXXX, which they did. Citi bank representative told me it might take up to five business days for the money to be posted back to my account. On XX/XX/XXXX, after 5 business days, I followed up by calling the bank and the representative confirmed the money is already with Citi bank but but short with almost {$400.00} because of exchange rate. She went further to say the left over will be posted to my account but will take another 3-5 business days to post it to my account. I waited for that but and the money was still not posted. I called again on XX/XX/XXXX. The rep told me it will take another 2 -3 business days to post the money. As of this time of XX/XX/XXXX, the money is still not posted back to my account. It is well over two week that my money has been with the bank.

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 2021-06-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I are both XXXX  with excellent income, assets and credit scores, and previous success over many years in obtaining mortgages and refinancing. 

We applied to Flagstar Bank on XX/XX/2021 to refinance the mortgage on our home. 
On XX/XX/XXXX they provided us with a Loan Estimate and on XX/XX/XXXX promised in writing Lender Credits of {$2500.00}. 
They provided a conditional Approval letter on XX/XX/XXXX and indicated that the estimated closing date was XX/XX/2021. 

It is now more than 20 weeks since we applied, and during that time they have asked us to upload over 100 documents, often asking us repeatedly to upload documents which have already been uploaded and can clearly be seen on their website. 
The delays caused by Flagstar have led to expiry of some documents such as payoff statements, requiring us to re-obtain and re-submit these. 
As each month has gone past, Flagstar has asked for updated bank statements and other documents month by month, in spite of already having detailed financial records and tax returns for the last three years. 
They have issued multiple Loan Estimates, each having higher costs, and including unrealistic and probably untrue expenses such as {$3000.00} for appraisal of our three bedroom house. We will upload the latest three Loan Estimates and a screenshot from Flagstar Bank of the current Loan Status, and have thorough documentation. 

We have attempted to resolve these issues with Flagstar Bank directly, without success. 

We consider the demands from Flagstar Bank unreasonable and suspect that they are a delaying tactic, and that Flagstar is attempting to evade its commitments and promises. 
This behavior by Flagstar Bank does not appear to be consistent with truth in lending. 

We are aware that other potential customers of Flagstar Bank have had similar experiences.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I file a late payment dispute online on XX/XX/2023 with Experian on XXXX credit card. I found late payment on my credit report, but according to law. I am a consumer and therefore they can not be putting negative statement on my consumer report. 15 U.S. Code 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is against the law for Experian or XXXX to be reporting late payment on my consumer report. I ask them to please remove the late payment information from my consumer report. This is hurting my report. This is causing me to deny of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX transferred our home mortgage loan to the above company XXXX XXXX, 2015. When speaking to XXXX from Nationstar he says that XX/XX/XXXX and XX/XX/XXXX payments were reported to the credit bureaus but it will show blank for those months on the credit reports. Payments from XXXX 2015 will begin to show. 

Working at XXXX for XXXX years, according to the FCRA, payments need to report accurately to the Credit Bureaus. Is there recourse for us? We are trying to obtain another mortgage in a move in a few months and need these payments to accurately report for our scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SS # 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 explanation
Consumer complaint received 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
In early XXXX, 2023 I applied for the CapitalOne Quicksilver credit card that offered a {$200.00} cash back after spending {$500.00}. I spent the required amount. I asked when the statement credit would be applied to my account. I was told by the representative that my card did not fall under this promotion, even though this was the promotion I applied for. The representative told me that CapitalOne reserves the right to switch credit card promotions on anyone applying for their card. However, I was NOT told this at the time I made application. She stated I was switched to a finance option card, which I do not need as I do not carry card balances. Furthermore, I would NOT have applied for a card that only offered a finance option as I do NOT want hard inquiries on my credit report. I have a credit report in the XXXXXXXX XXXX and do not make a habit of opening credit and negatively impacting my score. CapitalOne made a hard inquiry, and negatively impacted my score, and switched their card offer on me without my approval. They obviously knew they would have to pay out the {$200.00} to me after I spent the required {$500.00}. I know of others receiving this cash back offer without being hassled. Why was my credit card offer switched!? I am requesting that CapitalOne make good on their offer, for which I made application. They owe me {$200.00}. This is FRAUD on the part of CapitalOne to do bait switch business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar mortgage servicer is incorrectly reporting that my XXXX, 2015 mortgage payment was never received. This is not the first time Nationstar has made this type of accounting errors with my account.Attached is proof of my XXXX payment, which was timely XXXX on XXXX XXXX, 2015 by ACH electronic payment through XXXX XXXX XXXX Bank with a Nationstar telephone representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The payment history on the credit bureau report shows 30, 60, 90, 120, 150 days past due for XX/XX/XXXX through XX/XX/XXXX for my HELOC account. During that time, the account was on a CARES act COVID-19 Forbearance. In XX/XX/XXXX, the account was brought current by paying the entire forbearance. Under the rules of the COVID-19 forbearance, when the forbearance was repaid in XX/XX/XXXX, all of the previous months should reflect as paid on time. 

Under the CARES act, COVID-19 Forbearances must not be reported as past due as long as the account was current prior to the forbearance, which it was. A properly reported COVID-19 Forbearance must not have any negative impact to credit score. 

I have filed a dispute with XXXX, who in turn contacted my creditor. The dispute was closed with no change to the payment history on the account. The five months noted above remain showing past due on the credit report, which is incorrect. With the account brought current, they should reflect as paid on time.

As a result of this reporting error, my credit score has dropped XXXX points.

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 2023-06-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Experian Information Solutions Inc.
State: PA
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 paid off XXXX XXXX in full EARLY. There was another 18 months on the loan, I paid it in full. Experian investigated my complaint, as it still shows a balance of XXXX owed. Even though I sent them a copy of the paid in full from the XXXX website that shows it has been paid in full. I received the title from XXXX and have sold the car., yet Experian still shows a balance of XXXX. I have been having this problem for a month. They just sent me the new results that says their investigation is complete and the balance of XXXX remains unchanged. Disregarding proof that the loan has been paid in full. But experian told me to update my membership to a paying membership if I want more services. I am not going to pay them money to correct an error on my 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 non-monetary relief
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Federal Consumer Rights has been Violated by Credit Bureaus Trans Union, XXXX, XXXX. My information was obtained without permissible purpose, I never gave them written consent to accept information from any Creditor, instead they reported my information to the public, which was false, misleading information, Identity Theft and Fraud. My Social Security Number, Email Login and password was Compromise, and as a original creditor only l can validate the debt. I did not validate this debt. 
I contacted the Federal Trade Commission and file a complaint # XXXX. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 which states that these accounts must be remove within 4 Business Days of receipt. The account listed below do not belong to me and is a result of fraud that I did not authorize : 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 explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-10-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 taken aback of the situation. I've submitted this complaint 4 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX 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 2021-06-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a jumbo 30 year fixed mortgage with JP Morgan Chase. As part of CHase 's Home Lending Retention Program, where JP Morgan was evaluating my loan for a refinance, I was asked to pay a deposit/good faith funds of {$500.00} on XX/XX/XXXX. JP Morgan granted me an automatic rate cut, which ended the refinance process. However, they did not refund my {$500.00}. On XX/XX/XXXX, I received a check for {$500.00} and a letter notifying me that they did not return the funds appropriately. However, the check did not include any type of compensation for the fact that I could have used that {$500.00} during the year they held my funds ( or from the period they should have returned it to me to XX/XX/XXXX ) to earn interest in the stock market, CD, or other investment bearing asset. JP Morgan was earning interest on my funds, but did not return that in the refund check they issued.

Company response to consumer: Closed with explanation