BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
Reached out to transunion, experian, and XXXX multiple times about my consumer report. All ( 3 ) major credit companies have refused to correct my consumer file and I am seeking to file small claims court against each credit bereau for mis handling my Fair Credit Reporting Act rights.

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 2023-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation. Its been six months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation. Its been six months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

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 non-monetary relief
Consumer complaint received 2021-04-16
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am reaching out to file a complaint about my mortgage servicing company MrCooper. Despite being the subject of multiple federal and state investigations, and having most-recently settled claims brought by the CFPB and the Attorney 's General of all 50 State, the company continues to engage in a number of unlawful and predatory practices. Specifically, my complaint refers to MrCooper 's : 1. Engaging in a number of unlawful mortgage handling practices. 
2. Failing to adhere to commonly acceptable industry standards of service. 
3. Failing to properly handle my loan modification requests. 
4. Failing to properly conduct an escrow analysis. 
5. Misrepresenting the loan modification options available to me. 
6. Improperly denying my application on multiple occasions. 
7. Failing to follow the investor 's ( XXXX XXXX ) guidelines for loan modification.

8. Structuring the modification in a manner that maximizes

MrCooper 's own financial gain, is predatory, and significantly harms the borrower, without properly addressing the fundamental needs and rules of modifying the loan as et forth by XXXX XXXX. 9. Engaging in unfair and deceptive mortgage servicing practices. 10. Failing to follow the detailed set of rules and " servicing standards '' set forth in the content judgment MrCooper 's reached with CFPB in 2020. 
11. Failing to have and enforce proper procedures in place.

12. Failing to properly investigate consumer complaints.

Over the course of many months, I have contacted MrCooper over 2 dozen times, attempting on multiple occasions to escalate and address the matters described above. Unfortunately, the company has failed to adequately respond. MrCooper 's unfair, predatory and illegal practices have caused me substantial financial harm and have greatly jeopardized the safety of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I was making a deposit in the Truist bank at ATM # XXXX at XXXX XXXX XXXX XXXX NC XXXX at XXXX XXXX. The deposit was for {$820.00}. The ATM had an error, refused to make the deposit but kept the money and gave me an error receipt. None of the money was deposited to the account nor was it given back to me. The ATM took the money, did not deposit it, then told me to call the claims center via error message. I called the claims center immediately after and started the process for a claim. I was told 3-5 business days until I would hear from them. I never heard from them. I called back 5 business days later only to have them tell me to wait 3 more days. Its now XX/XX/23 and I call AGAIN only to be told that only {$20.00} was credited to the account and the other {$800.00} was still being investigated. I called the next day XX/XX/23 and they told me there was NO eta on when review would be complete. I was told my account does not meet specific criteria for the payment to be processed. I asked what that criteria was I was told they are not allowed to tell me as its bank information. 

I have since involved several branch managers at different truists to assist. I have been in contact with XXXX XXXX XXXX XXXX XXXX XXXX who was the only branch manager that was willing to help. Have no had a response from him yet either. Todays date is XX/XX/23 and I still have not gotten the full {$820.00} that I attempted to deposit in the atm.

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: EQUIFAX, INC.
State: MD
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:
It has been 30 days and XXXX still have NOT updated my credit report and score. There's OLD account still on my credit report. These accounts are more than 7 years old and by law should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-01-05
Company: JPMORGAN CHASE & CO.
State: NY
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:
Chase XXXX Account # XXXX Chase sent me promotional email on XX/XX/XXXX that any purchase of over {$100.00} can be split in payments without fees and interested until XX/XX/XXXX. 
Than when I made two purchases on XX/XX/XXXX that wanted to split using this promotion offer, their reply was they can take away this promotion for any reason. Nothing changed on my account, yes they can take it away from my account for any reason but they need to inform me by phone, e-mail, regular mail that they took it away or that my account no longer eligible for that offer!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Prior to the pandemic I opened accounts with XXXX and XXXX XXXX. When the pandemic occurred, I called both lenders and expressed my hardships along with making accommodations to pay and close the accounts. I recently viewed my credit report and both lenders are reporting late payments on closed accounts. This is in violation of FCRA law 15 USC 1681 S-2 ( F ). Not only were these payments covered under the CARES act, but I've paid as agreed and closed both accounts per my request. I reached out to both CRA ( XXXX and Transunion ) via phone and mail requesting that this information be reported accurately. I have not gotten a response to my request. This information reporting inaccurately is severely affecting my ability obtain lines of credit.

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 2023-07-08
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was sent a promotional email on XX/XX/2023 indicating that if I signed up for the XXXX Amex XXXX credit card, I would receive XXXX bonus miles. The fine print stated that this particular promotion would run through XX/XX/2023. The email was addressed to me by name and included my unique XXXX XXXX number. I applied for the card and was approved on XX/XX/2023. I spent the required amount ( {$2000.00} ) and was awarded only XXXX points. On XX/XX/2023, I spoke to a Customer Service Rep who asked me to attach the promotional email to the Amex XXXX XXXX as proof. She walked me through the process and the site returned an error message. She said she didn't know how to resolve it and that someone would call me back. I followed up multiple times without a response. 
Finally, after over two months of Amex telling me that it would be resolved ( and the additional XXXX points applied ), I was told by Customer Service on XX/XX/2023 that because I applied for the card online, it's possible that I didn't use the " correct channel '' to apply and therefore the XXXX points would not be applied despite what was stipulated on the marketing materials. The Customer Service XXXX ( ID XXXX ) stated that nothing could be or would be done. She informed me that the issue had been investigated and dispositioned by Amex already. This apparently occurred around the first week of XXXX without reviewing the promotional email referenced above and without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Number : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank did not send me a statement, which should have been for XX/XX/XXXX to about XX/XX/2023. I normally receive paper statements as I do not have easy access to the internet. I called Citi about a week ago and was told to wait a while longer. But, nothing. I suspect that Citi purposely delays sending out paper statements because it wants to save money on mailing paper statements by scaring those who won't sign up for electronic statements and/or wants cardholders to make late payments and collect exorbitant fees and interest.

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 2020-07-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received repeated calls from XXXX XXXX XXXX ( XXXX ) XXXX today was XXXX XXXX regarding a debt from XXXX   XXXX HSBC. 
Per XXXX there is a balance of {$900.00} something dollars in default as of XX/XX/2016 account ending in XXXX, and they can settle the debt for XXXX if paid today. This is apparently a company that received an old list of collection accounts and are trying to scam people out of money they've already settled or paid in full. I was a victim of a credit card opened in my name, therefore it was identity theft, but I had to pay the settlement with HSBC to get off my credit report which was cheaper than hiring an attorney. I'm seeking someone to put an end to this company preying on the innocent and debt free with old information just to line their pockets with money. If HSBC can help that would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Was charged tons of interest totaling {$110.00} on some purchases and I dont use my XXXX card that much. It dont make any sense at all. I would need to have this fix or credited to my account Or see a statements to see why this interest is too high I cant afford this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account has been paid off and I have not used nor applied for another card. The account has an open credit limit of XXXX from XX/XX/2011. Please remove from my credit report. I have not and will not use this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: TX
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I always pay on time and never missed a payment.

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 2023-07-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 ; I deposited {$330.00} into my TD bank checking account to pay for XXXX XXXX  car transaction in the amount of {$32000.00}. On XX/XX/2023 ; the check from XXXX XXXX  for my account loan was returned and the {$320.00} is in my TD bank checking account. TD bank accountants will not process the transactions pending in my checking account when the funds are available on day the transaction was submitted or within the XXXX hours time frame that TD bank allows bank account to be current or funds deposit into accounts to clear payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX someone fraudulently used my credit and make a hard inquiry for TD bank XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My purse was stolen during a football game in 2018, included in my purse was my driver 's license and social security cards. I made a police report and was advised to continuously monitor my credit report. I recently requested a copy of my credit profile and noticed accounts and inquiries that are not mine nor do I have any knowledge of. I've contacted both XXXX and Transunion requesting verification in attempt to get this resolved. Neither company have provided an updated or resolution. Furnishing this information to my profile is violating my consumer rights specifically 15 USC 1681B, furnishing any information without my permission or written consent, and 15 USC 1681 C-2, furnishing accounts due to identity fraud. These accounts and credit inquiries that I have no affilation with are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Credit Inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im not sure who has been trying to gain lines of credit, but its severely impacting my credit profile.

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