BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2021-03-15
Company: Iconic Mortgage Corp.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I want to bring the the CFPB 's attention a mailing advertisement that is highly misleading, as it uses official language and symbols, promises that they can recover lost money, and tells people that they must act quickly. Only in the fine print do you realize it is from a mortgage company. This ad is meant to deceive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NY
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 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 i
nstructions

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 2021-04-12
Company: Credit Corp Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I received a letter from Credit Corp Solutions , IncXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX claiming that I owed {$990.00} in unpaid debt because a person named XXXX XXXX residing at XXXX XXXX XXXX, XXXX, MA XXXX failed to pay XXXX with a XXXX XXXX. credit card. 

I responded in writing with a certified letter that I am not this person, have never lived at said address and never had a XXXX credit card or had an account with XXXX. 

Credit Corp Solutions wants me to sign a document notarized indicating that this is fraud. They must determine fraud not me. My letter to them states as much. See letter attached. XXXX XXXX continues to send me demands for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: JPMORGAN CHASE & CO.
State: CO
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:
In summary, I purchased a flight that was changed once by me then cancelled due to COVID. The travel agency I purchased it from has declined to give me the refund or flight credit I am rightfully due. My bank, Chase, has failed to protect me from this non-delivery of services and failed to resolve my dispute. They say that " too much time has elapsed ''. This is a case of non-delivery of services purchased. Furthur the travel agency is found to be very difficult and stealing refunds from people - I'd expect my credit card and my bank to protect me. Full timelines are in my evidence which was also submitted to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i like to file my cliam against Capital One the compliant is about a big deposit of {$130.00} in my account form some payees... now after 4 months is the funds still not avialebel and they keep saying that they need to make an investigation. I provided them with all documents which I will provide these documents are proof of everything showing that these funds are going out and sinegd latters from the payees by notary poblick supervethion. Capital One keeps saying they have to investigate and after that thay said that the investigaition is done and thay trying to send the money to the payees, what is not true ... one of the banks is XXXX  XXXX XXXX. Capital One also told me I have to wait for the other bank to reverse the funds that my money is pending from XXXX  XXXX XXXX. The person who gave me the check said they called XXXX  XXXX XXXX and they said no funds are pending and nothing happened so I called Capital One again to let them know that XXXX  XXXX XXXX said nothing was pending and Capital one said " maybe it was not the right person he doesn't know what they are talking about. '' I requested Capital One to give me an explanation as to why they are keeping my money. My opinion is that Capital One just wants to keep my money and don't want to give me my money. I need my money. please open the eys and see the unfer behaiver from capitel one bank with no any time frame comitment...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the rights to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my wriiten instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Us bank sent letter dated XX/XX/21 stating they mailed cashiers check for {$150.00} for my timely submitted fraud because they closed account. I called us bank XX/XX/21 and XXXX could not find closed account or say information. I have not received my {$150.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
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:
This is a request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts/inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX  Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX Date XX/XX/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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. It is unacceptable that this late payment is on my record despite my efforts to pay on time each month.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$170.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Im writing to you today because I have tried everything in my power to get my home equity loan straightened out with Wells Fargo bank. my home equity loan ballooned this past XXXX and with things being the way they are in the country right now payments went from about {$450.00} in interest to {$2100.00}. in interest plus principal. I explain to Wells Fargo on many occasions that my business has not come back yet since the pandemic and I am unable to afford the {$2100.00} temporary loan modification payment each month. I started making payments of {$1400.00} a month which is the temporary loan modification minus the property taxes and insurance. I pay taxes and insurance directly. This wipes out all my social security check plus more. 
There is much more to this story. I was put in a forbearance durning the pandemic which I caught up with, but they mismanaged the account and never took me out of forbearance even though I was paying! Many conversations with them, one person tells me to do something and another says to do something else! What a mess! 
I am XXXX XXXX XXXX and trying my best to keep the home my dad and I built many years ago. I XXXX XXXX XXXX company which suffered terribly during the pandemic and still hasnt come back yet. Im trying my best to work with them and although they have offered me other options each option they have offered, cost me {$2100.00}. As I explain to them on many occasions I dont have this much money to give them each month. Ive spoken with many people there and have had many problems along the way. The harder I try to work with them, the harder they work against me, although they said they are helping, they are not. Now theyre sending me letters of foreclosure even though I am paying them something each month. But that payment that are putting towards past interest, so its like Im not paying anything! If I dont pay the back interest of {$12000.00} by XX/XX/2023 they will foreclose on my home! 
I explain to them that I own another property with my cousin, a house on the beach which we are negotiating to sell. When I get my half of the money I plan on paying off this loan. I did explain that to them but they are not willing to wait and just let me pay some thing in the meantime. 
You are my last resort! 
I need to get this straightened out, I can make the payment of {$1400.00} and pay my own taxes and insurance, but they wont let me! 
Please help 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 explanation
Consumer complaint received 2016-01-28
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was transfer from XXXX XXXX XXXX to nationstar. Ever since then nationstar keep denial our modification. They said it 's fraud paperwork. I and my family lived in this home since 2007. They ask us to verify our residency, but keep denial even though we supply them whatever they need. My loan number is XXXX,. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a lot of inquiries on my credit report that were not authourized XX/XX/2023 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 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 2021-03-15
Company: LoanUnited.com, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
CLASSIC BAIT AND SWITCH! 
We have excellent credit and applied on XX/XX/2021 for a loan with our current lender and LoanUnited.com at the same time and both offered a 1.75 % rate on a 30 year mortgage which was unheard of but true. We went with LoanUnited because XXXX XXXX was nice/knowledgeable and the closing costs were slightly lower. LoanUnited approved our loan on XX/XX/2021 and sent us notice it was approved. What XXXX XXXX didn't do was lock our rate and misled us that he had done so. When we continuously asked about it he said not to worry that we were approved through " blah blah blah '' lender and the closing date was scheduled for XX/XX/XXXX. When we started pushing him for proof of the lock he started lying and trying to put us off then he went completely silent. We called the office and were hung up on by others including when we asked for XXXX XXXX the " owner ''? 
Bait and switch is when borrowers are promised attractive terms upfront to win your mortgage business but then fail to deliver those terms when it comes time to close your loan. Changing terms at the last minute when borrowers are desperate to close their loan. In our case we should have just signed the rate lock loan estimate with our current lender at that 1.75 % rate and it would've been locked and our VA IRRRL refinance would've been done by now. Instead LoanUnited has cost us thousands of dollars with their extremely dishonest practices. I'm reporting them to the Consumer Financial Protection Bureau and VA because they are preying on our Veterans and using the VA IRRRL program to do so. STAY AWAY AND LEARN FROM OUR MISTAKE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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. 

XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX # XXXX XXXXXXXX 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 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. 

Attached bellow is my credit report showing the inaccurate accounts. Also, attached shows XXXX has deleted some of these accounts because they have respect for the law and my 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 2023-04-18
Company: Skopos Financial, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
When I went to apply for this personal loan using car as collateral, it didn't advise me that the loan value had to be higher than the amount owed on the car loan, until after they ran my credit. There were no alerts or notifications about that potential before they ran my credit. 

I would like this hard inquiry removed because they were operating under a false premise and promised me a loan before giving me all the details.

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 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I went to XXXX on vacation, I took my Bank of America ATM Visa card with me, as thats where most of my money was this time. I used the card for everything. When I returned and was going through my account, I ACCIDENTALLY noticed a fee Bank of America charged me for paying for my hotel. I thought it odd, because I have used other cards from other banks over the years and had never seen this. I began to check further AND TO MAKE A LONG STORY SHORT, BANK OF AMERICA CHARGED ME A WHOPPING {$110.00} IN FEES FOR JUST PAYING WITH MY VISA DEBIT CARD, DESPITE BEING TOLD THAT WE CAN USE OUR XXXX CARDS ANYWHERE IN THE WORLD!! 

No one at Bank of America had ever told me that these fees would be charged just for using my own money. Also had I known, I would hsvd used my XXXX card instead. 

I was VERY DISTRAUGHT as I can not afford {$110.00} in fees, which I didnt know about and Im just using my money via my card. 

I called the bank and the customer service agent said she is authorized to refund me {$40.00} only and she did. But Im still not happy as I think this is unfair! HOW CAN SOMEONE BE CHARGED OVER A XXXX DOLLARS IN THESE HARD TIMES, JUST FOR USING THEIR OWN MONEY WITH A VISA CARD THAT IS WORLDWIDE??

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 2023-04-18
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage We had a previous mortgage with Rocket, they did not calculate our county, or city taxes into the loan for escrow, because of that we went through refinancing at a lower rate to avoid the increase to make up for escrow for taxes. 

During application for the new mortgage I asked many times, and was assured that all taxes would be calculated into the loan for escrow. When the city taxes were due, we found out that they left out the city taxes for escrow, and now claim it as a tax increase. This is not true, the amount they claim as a tax increase is actually the total amount for the city taxes.

Company response to consumer: Closed with explanation