BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
On XX/XX/2021 I used a XXXX search to find the american express hilton honors credit card it said this : Hilton Honors Credit Card | American Expresshttps : //www.americanexpress.com credit-cards hilto... 
Earn XXXX Bonus Points after you spend {$1000.00} in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership. 

I went ahead and ordered the card and spent {$1000.00} in the first month. I did not receive XXXX points. I was told on XX/XX/XXXX by their customer service that it says in the small print of the terms and conditions that they do not give any points. This is incredibly deceiving!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: LA
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 disputed an old collections with XXXX XXXX on XX/XX/2022. This company sent information to EQUIFAX, whom I had disputed the account with a month earlier, allegedly verifying the debt. I previously disputed the collection account with EQUIFAX a month earlier. EQUIFAX falsely added the collection account back on to my credit report as a new collection XX/XX/2022 dropping my credit score XXXX pts. This is injuriously stopping me from buying a home and starting new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Upon filing for a bankruptcy ten years ago, I was informed that the second lien on my home with Mr. Cooper was part of the bankruptcy process and that I was not responsible for the debt. The debt was with Mr. Cooper and after calling their answering service, stated such, " that the loan was no longer my responsibility ''. Then a year ago, Mr. Cooper informed me that I was responsible for the loan and it was long past due. As I did not have the funds to pay, I applied for a HAF loan with the state of Maryland, as it was less than {$20000.00}, and during the pandemic I could not afford to make payments. The loan was approved and HAF made the payoff amount of {$18000.00}. Statements emailed to me progressively showed the loan being paid to a - {$160.00}. I spoke with a XXXX XXXX who verified the loan was taken care of. Then on XX/XX/XXXX XXXX I received a phone call from a representative at Mr. Cooper informing me if they did not receive {$2800.00} from me by XX/XX/, the HAF funds would be returned and evidently my house would be in default. The representative kept asking me if I was still in the house, even though I have a first mortgage that I have never missed a payment on. I feel I'm being harassed by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Sir/Madam, I am writing to formally complain about Chase Bank 's handling of my recent home purchase, which has left me frustrated and disappointed. I believe the bank has acted in breach of their own mortgage closing guarantee and shown a disregard for consumer rights. 

To provide some background, I submitted an online mortgage application with Chase Bank on XX/XX/. I was fortunate to receive a pre-approval from Chase Bank for the mortgage on XX/XX/, and I promptly provided all requested documents to them in XXXX and then again on XX/XX/ 

Having executed a contract for my house onXX/XX/, I provided a copy of the contract to Chase Bank, anticipating a smooth process. However, there were multiple delays due to Chases failure to promptly obtain an appraisal of the house, which was finally completed onXX/XX/. 

Following the appraisal, I experienced another round of delays stemming from Chase 's oversight in documenting a signature waiver related to the appraisal process. As a result, I wasn't able to close on the house until XX/XX/XXXX. This delay extended far beyond the XXXX Chase Mortgage XXXX XXXX XXXX XXXX additional stress and inconvenience. 

I escalated this issue to XXXX XXXX XXXX at Chase Bank on XX/XX/, and a second inquiry was sent to him onXX/XX/. Despite my attempts to seek resolution, I have yet to receive a response on a decision. Most recently, I submitted a request for review to Chase corporate on XX/XX/XXXX and received an email asking that I call them. Upon speaking with a representative on XX/XX/, I was told that they would not honor the closing guarantee, under the pretext that the closing occurred 15 days after the final document was received, a claim which contradicts my records and timeline. 

Based on the provided outline of events, I believe Chase Bank is in violation of their {$5000.00} closing guarantee. If Chase does not intend to uphold their guarantee, it should not be advertised, as it misleads consumers with a false promise of a timely mortgage closure. My research and online complaints suggest that this deceptive practice is not an isolated incident but a recurring issue with Chase Bank. 

I have emails and documents that substantiate these statements and I am ready to provide them if required. I am appealing to your agency to thoroughly investigate Chase Bank for these practices and to help secure the {$5000.00} guaranteed by Chase. I believe this action is necessary to safeguard consumer rights and deter false advertisement in the financial industry. 

Thank you for your attention to this matter. I look forward to a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: MI
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a 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 2022-04-19
Company: EQUIFAX, 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 status incorrect

Complaint:
We are currewntly getting a mortgage. In 2018 XXXX  XXXX placed a Negative entry on my credit report. For XXXX XXXX XXXX in the amount of {$900.00}. This account at XXXX XXXX XXXX was immediately paid in full the account closed. The creditor recalled the account number XXXX. A request was sent to the three bredit bureas to delete the item. XXXX XXXX deleted. XXXX deleted. Equafax refuses to delete the item. We have called them, confirmation number XXXX. We have filed 3 disputes. We have sent them letter by fax explaining this. We have sent them the letter from XXXX XXXX requesting they delete the entry as the account was recalled by the creditor. 
Our mortgage closes XX/XX/XXXX. WE MUST HAVE THIS REMOVED By EXUAFAX Please help me!!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I bought items from XXXX in early XXXX totaling {$6100.00}. Due to a system error on their part, they were not able to verify my identity and closed my account for security reasons. They canceled several of my orders and blocked me from the account. I called the merchant and my bank noting I did not receive all my items mid to late XXXX, yet was charged anyways. The bank filed a fraud report, instead of a dispute billing, due to a miscommunication. After the fraud report failed, it was learned it needed to be disputed, however because the case was closed, they needed more details. I have worked with XXXX from XXXX several times, including a 3-way call, to get this resolved. Because the account was blocked, XXXX ( manager at XXXX ) can not research, refund, or start a return process. The bank keeps denying to open the case again, requesting more details. Following what they requested, they still deny asking for more, even though there has been 2 emails matching what they requested and a 3-way call with XXXX. Because XXXX can not get into my account, they can not proceed a refund from their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX states that I had a late payment of {$740.00} past due as of XX/XX/2022 and the account is still open but that is false information. 

I had an open dispute with XXXX, XXXXXXXX  and my bank because I was due a full refund because of a canceled vacation. I was sent an email by XXXX on XX/XX/XXXX & XXXX, stating that my refund has been processed which was the full amount. I've never made a late payment to XXXX. XXXX states that since there was a chargeback between them and my bank, it caused the system to show that I haven't paid the money since it was returned by the bank. XXXX falsely accused me of making a late payment while we were in the middle of the dispute and refund process. I even made a payment to XXXX on XX/XX/XXXX while I was waiting on the process to finish to avoid any late payments.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: IL
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a 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 2023-07-14
Company: STL HOLDING COMPANY, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a conventional mortgage through the builders preferred lender, DSLD Mortgage. The application was taken by XXXX XXXX on XX/XX/2023. 
The mortgage division for DSLD is located in XXXX, AL and the property we were purchasing was in XXXX, FL. XXXX 's direct phone number is XXXX. 
We did not receive our XXXX until XX/XX/2023. I know this is a clear RESPA violation since I worked in the mortgage industry for over 25 years with XXXX Mortgage. 
Numerous calls and emails were sent to XXXX requesting the XXXX, but to no avail. 
The entire process was a nightmare. XXXX was out on a medical leave and no one worked her pipeline while she was gone. Subsequently, the loan number assigned to me expired and a new number was assigned that prevented me from uploading documents to their website. I attempted to contact one of the managers at DSLD via email, however, he never responded either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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: Their investigation did not fix an error on your report

Complaint:
I closed my XXXX Bank credit card over 4 months ago which should have been promptly reported as CLOSED BY CONSUMER but XXXX delayed reporting my account as CLOSED and finally now inaccurately reports my account as Closed By Credit Grantor when it is required by the FCRA and Metro 2 Compliance protocols to report my account as CLOSED BY CONSUMER. I demand Deletion of account and {$1000.00} in statutory damages for willful violations 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 non-monetary relief
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$650.00} XXXX {$3500.00} XXXX {$4000.00} XXXX {$1900.00} XXXX {$450.00} XXXX {$650.00} XXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to express my disappointment with the inaccurate credit reporting done by American Express. This reporting has severely damaged my current financial situation. I noticed a new account for American Express on my credit report that I did not open. I immediately sent a notice to American Express, requesting them to validate the debt and remove it from my credit report. These requests were sent certified mail tracking number XXXX XXXX XXXX XXXX XXXX. Despite these efforts to resolve this issue, American Express has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit. I am requesting that American Express immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letters they sent to the credit bureaus. If American Express does not take any action to resolve this matter, I will be forced to take further action, including filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: GA
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 want to permanently remove my name from the list that XXXX XXXX XXXX XXXX, Experian, XXXX, XXXX, and XXXX, provide to businesses that send firm ( pre-approved/ pre-screened ) offers of credit or insurance.

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 2018-10-22
Company: SECURITY FINANCE CORP
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has repeatedly called and harassed my phone for almost a year for a debt that I do not owe I have asked them several times to not contact me and to send any information they have to the address they have on file and I have yet to receive any information or any notification of debt to verify this is correctly mine. They have threatened me over the phone and repeatedly posted hard inquiry month after month for a year on my credit report eventually I had to contact my cell phone provider and block all four of the numbers they were calling me from.

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 2022-12-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name 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 2022-04-19
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2022, I was issued a summons from a debt collections agency in regards of a debt I owed to a credit card company. This debt came from a result of identity theft. I followed protocol and disputed the debt through the XXXX dispute portal online. I XXXX, I received a letter stating that my wages were to be garnished. On XX/XX/XXXX, I made a call to Lloyd and McDaniel and they stated that my wife called from a cell phone number that is not her number and setup a payment plan for this debt on my behalf. This is illegal. The next day I called back and talked to another lady who told me the same thing and that a payment actually posted from a bank account in which I do not have any association with. The lady became frustrated as I asked questions. She claimed that it was legal for my spouse to setup a payment for my debt ( it is not ). When I asked her for the law that stated that, she hung up. Mind you, all of their phone calls are recorded. It was mentioned once if I would like to hear the phone call for when my wife called in and I said yes, and that was the last it was heard about. On XX/XX/XXXX, I called and spoke to a supervisor. Supervisor was very adamant in saying that my account was placed on hold and there was nothing they could do. He then refused to notify my employer of my account being on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank of America is taking {$10.00} a transfer from savings. They have taken almost {$300.00} from my savings 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 monetary relief
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-11
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: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed 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 non-monetary relief