BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: Specialized Loan Servicing Holdings LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Throughout the underwriting process with XXXX, I had confirmation that our loan would be principal/interest only. We put 20 % down so we should not need to pay for PMI or use escrow for taxes/insurance. In fact, we already paid for the first year of homeowners insurance at closing. 

But the final documents were incorrect on the day of closing. Now our loan has been purchased by a company called Specialized Loan Servicing and getting them to remove the PMI, refund our escrow, and set up our payments correctly is like pulling teeth. 

Their response, to quote directly : " the account is set up with escrow and is a PMI type loan. I have attached a copy of the closing documents which show the escrow on the account. Thank you, XXXX XXXX ID : XXXX '' No attempt whatsoever to correct the error.

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 2022-12-25
Company: AMERICAN EXPRESS COMPANY
State: NC
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 customer service

Complaint:
Hi, I have recently come to the XXXX to finish a XXXX XXXX under a student XXXX XXXX. Ive had an american express account in XXXX where Im from, so asked american express XXXX if i could open an account in the XXXX, transfer my credit history and get the same account tier even if i wasnt a permanent resident nor had us based income ( i get paid by an off shore company on a XXXX XXXX account ), and i got told they will just get my history from amex XXXX and it was no issue. I used my passport for id verification ( passport number XXXX ). I linked my account to a XXXX based bank account that i opened with XXXX. 

It took a while but i finally received a card on XX/XX/2022, started spending, received my sign up bonus, paid for my membership fee and added an authorized user to my card for an extra fee. After it was all set up i called and asked if there was something i should now about the status of my account before i close my XXXX  account ( not wanting to pay 2 membership fees ). I got told it was not an issue and i should just call amex XXXX and get them to transfer my points and close my account. 

I did that, and 4 weeks later ( XXXX XXXX ) i receive a call from American Express financial review team asking me to provide evidence of a XXXX based income ( which i had never been asked for before ). When i explained my situation i got told that my account will be canceled in 3 weeks ( XXXX XXXX ) and there was nothing they could do, and that it means i got given wrong information when signing up. 

Looking online, i cant find any information indicating that i need us based income. Calling customer service again, i got told that i couldnt keep my card, couldnt get a prorated refund of the membership fees ( XXXX total fees paid ) and couldnt keep my sign up bonus. 

I am really disappointed and fell ripped off as they started that because Im cancelling my account Im not eligible for any refund, but Im not cancelling myself, they are cancelling my account.

It really feels unfair to me, especially given the fact that i have been honest about my situation from the beginning, that i have always been told it wasnt an issue and i have now canceled my other account and transferred everything here. 

EDIT : i found out by seeking help online that it has been happening to several other people, all of them on XX/XX/XXXX Im looking for help on this matter as it really feels shady to me, they are not giving me any information on the process, no possible solution, no heads up that this was gon na be an issue, and a very short time frame to get my stuff in order ( probably wont have my XXXX account opened up and running again to transfer the points before my account is canceled ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Send large check for payment. After 6 days, I became concerned because the payment had not posted. I stopped payment on the check out of concern and called Cap One to let them know my concern. Cap one acknowledged receipt of my original check but said it not been processed. I three way conferenced with my bank XXXX XXXX and Cap One. I ask them to go ahead and process my payment to avoid any late fees. They basically said and asked me to resend a 2nd check which would make me past due. This caused unwarranted late fees and I fear a hit on my credit rating. In a nutshell they were so hateful and totaling unwilling to just work with me. I am XXXX XXXX XXXX and battling XXXX XXXX. This has caused so much unnecessary stress. I mentioned that I would potentially file a complaint with the CFPB and they essentially just laughed in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Each time I have tried to sign into my account, I received the message, Contact Please give us a call. We cant complete your request at this time. Please call the Customer Care team XXXX ( XXXX ). '' Ive tried to access my online account for several months. I have continuedly and tirelessly contacted the customer service line. 

Every time Ive called, I am told that it will be escalated. However, I never received any updates or confirmation. In the conversation with a representative prior to today, Monday, XX/XX/, I was told the best solution was to delete my account entirely and sign up again after ten business days. The rep. explained that they had put in a request to delete my account. Again, receiving the exact same message when attempting to log on. 

XX/XX/XXXX  Ticket number : XXXX XX/XX/XXXX  Ticket number : XXXX Today, I waited on hold for a supervisor for one hour, which I found is not uncommon. The conversation began and ended similarly : my concerns would be escalated and prioritized. The supervisor also stated that they did NOT have seen other ticket numbers, but later stated that they only found one other ticket number. The rep told me I should receive an email update within ten business days. I also requested everything in writing. 

Todays phone call took one hour and sixteen minutes to receive no new information, no solutions, or resolutions, just empty promises and the same responses that they are unsure why I can not log into my account, and it shows that my account works fine on their end. 

This problem has hindered me financially, as I have been unable to see or dispute disparities on my credit report. This particular Credit Bureau continues to show a drastic decline, and I do not know why. This process has been draining, unsettling, and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I noticed there was a late payment reporting on my credit report, and under 15 USC code 1681a definition and rules of construction ( 2 ) exclusions : the term credit report does not include ( i ) : report containing information solely as to transactions or experiences between me the consumer and the person making the report. I also recieved an alert on my credit monitoring service that XXXX XXXX fixed the error and updated everything to current, so there should be no late payment reporting at all.

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 2023-01-13
Company: Experian Information Solutions Inc.
State: MD
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:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Please see the attached letter from XXXX. Note where they claim I provided " verbal '' authorization in connection with a mortgage transaction. This is a false statement by XXXX XXXX XXXX XXXX XXXX. Furthermore, no voice recording or other concrete evidence has been provided to prove this statement as fact. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau - Transunion, XXXX, and XXXX. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX/XXXX  XXXX on behalf of XXXX XXXX Illegally inquired on XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2023-07-31
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Chase Sapphire reserve credit card. 

In spite of my longstanding and impeccable credit payment with Chase as an existing customer they pushed my credit application to a 1 to 2 week review process. Upon further inquiry I was informed after submitting my application that Chase ( upon pending approval ) is going to be pulling credit limit from one of my other Chase credit cards to use towards the Saphire Reserve Credit card that I had just applied for. Chase made no mention prior to the submission of the application that this approval would be contingent upon reducing the credit limit of one of my other credit cards to be used towards the new credit card. I had no way of making an informed decision about this application with regard for the aforementioned. The addition of this new card would not be decreasing my credit utilization ratio as I had thought it would be. These application stipulations should be brought to the attention of the consumer prior to completing a credit application. 

In short I blindly applied for a Chase credit card and had a hard pull on my credit report. Had I known they were going to be reducing the credit limit of one of my other credit cards, I never would have applied for their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: NC
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX Mortgage XXXX, after a CARES Act, COVID-related forbearance, tried to get me to enter into a modification without providing me with information about the fact that my credit score would be ruined, and they reported me late on the forbearance amount without my written approval ( i.e., I never agreed to the modification ), and when I realized the XXXX point drop in my credit score occurred, I asked to have the amount on forbearance deferred, which should not result in an impact on my credit score. That deferment has been completed. During the entire process I have tried to explain this to XXXX through the dispute process, and with XXXX, to at least 7 people who all refuse to listen, and simply refer me to XXXX, claiming it is their problem. XXXX tells me it is the mortgage company 's issue, since they reported the modification and that resulted in the point drop. I am very frustrated that this has ruined my credit, which was approx. XXXX point higher, and consistently in the very good to excellent category for the past 20 years, until this situation caused by XXXX occurred. XXXX Mortgage XXXX has also changed from XXXX, to XXXX, to XXXX and had many impediments to communicating with me, and vice versa for the past 2 years, exacerbating the situation. One of the specialists that I have worked with, XXXX XXXX, at XXXX confided with me that my situation is not atypical, and XXXX as a company is customarily doing the same thing to many of their customers, i.e., tricking them into accepting a modification and then condemning them to a dramatically damaged credit rating, which prevents them from seeking another loan from one of their banking competitors. This unfair business practice is a violation of the intent of the CARES Act, which was to allow relief to borrowers during the Global Pandemic, allowing them to reinitiate their payments after the emergency had passed, without detrimental affects on their credit rating, etc. I know I am speaking on behalf of hundreds, if not thousands of borrowers with XXXX who once had good credit, and are now stuck with this treacherous and predatory lender. I would like the CFPB to share this complaint with others so that they may avoid this lender, their deceptive practices, and indeed know that they have recourse with the CFPB 's protections and actions. Thank you for your help!

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-29
Company: EQUIFAX, INC.
State: NJ
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The credit bureaus have stated that my account ( s ) were properly investigate, but how is this possible? Equifax is erroneously listing Disputed Item 1 Incorrect address : XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Item XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed XXXX XXXX XXXXXXXX XXXX XXXX XXXX  bankruptcy XXXX Reference Number XXXX Date Filed XX/XX/2013 Correction : My then attorney advised me that a chapter XXXX bankruptcy would remain on my credit report for 7 years not ten years. XXXX DELETED the Bankruptcy from my account ( see attached ) and the XXXX Bankruptcy court failed to verify the debt. My rights are being violated by Equifax. 

These are grounds for removal and XXXX is violating my rights under 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. section 604 A. states a consumer reporting agency can not furnish an account without my written instruction Also, the credit bureau took more than thirty days to complete my investigation. Attached are my USPS tracking number ( s ) :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of account that does not belong to me or was opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$610.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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