BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am having issues with missing information on my credit report. I have a XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX OH XXXX. My account is not showing on any of my credit reports.

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 2019-04-18
Company: BBVA FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Monday, XX/XX/XXXX, I opened a money market savings account with BBVA compass due to their interest rate. In the application for a new account, I was asked to provide a source fun account and routing number and choose how much to transfer over. I selected XXXX dollars from a XXXX  savings account. When I setup the online banking, I noticed that it did not show this transaction as a pending transaction. I called the bank and they assured me there are no pending transactions. The next day I get a notification of a XXXX dollars ACH withdrawal by BBVA compass, and yet when I call them, they are still saying they have no record of the money coming in or them ever having requested the money. XXXX can not put a hold on the funds as it was not initiated from their side. I have no idea where my money is and no one at BBVA can help me find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After filing a complaint via cfpb against Mr. Cooper Mortgage in XX/XX/2019, I was verbally, and in writing, told our initial new mortgage payment would begin XX/XX/2019. However, today, XX/XX/2019 I received via US Mail a statement that reflects the initial mortgage payment listed as XX/XX/2019 ... that's today! 
Below is an extract of their response from the previous " bankruptcy '' complaint I filed in XX/XX/2019. 

" After review, we have confirmed that you did not file for chapter XXXX bankruptcy and will have the bankruptcy information and coding removed from the account. Also note that there will be no negative effect to the credit. The account currently shows as due for XX/XX/2019. " ( Complaint # XXXX ) Sadly, this is the second complaint I find it necessary to file prior to the initial payment with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$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 2023-01-23
Company: EQUIFAX, INC.
State: CO
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was wiring funds in order to purchase a home. The first attempt failed do to an issue identifying me for security reasons and was told I would need to initiate another wire transfer. The funds from the original wire attempt are still locked in a pending status. This issue almost ruined my entire deal with the title company. Luckily I was able to transfer additional funds and was finally able to get the wire through. The funds from the initial wire are still not available to me. It has now been 6 days and despite multiple calls to citibank and promises to escalate the issue and call me back. They have not called me. Over {$110000.00} is still not available to me

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 2023-09-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: SYNCHRONY FINANCIAL
State: NC
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:
Synchrony Bank has caused us financial hardship, costing us potentially close to {$90000.00}. 

We were ready to lock in our interest rate at 2.7 on XX/XX/21. Our mortgage loan officer called and said something showed up on my credit report. I was confused because weve never had credit issues and pay our bills EVERY month. 

After two days of speaking with people at synchrony bank I was finally able to talk with someone in upper management. Here is what she said : I cant really see where the issue took place. Yall paid every month. The only thing I can see that MAY have happened is there was a {$2.00} interest charge that kinda fell between the cracks. The only thing I can do is draft a letter to the credit bureaus asking them to provide you all a courtesy of taking it off of your record since you never missed a payment. 

Synchrony Credit never once called us asking for the {$2.00} that we had no idea existed, if they had I would have gladly given them {$20.00}! 

We paid our bill every month and had no way of knowing we owed {$2.00} worth of interest. 

This MISTAKE by Synchrony Credit has now caused us to be unable to lock at 2.7 and now either accept 3.3 or wait until XXXX and pray instrest rates stay low AND hope the credit bureau does us the COURTESY and scrub the mistake from my credit. 

At this point, regardless of if the credit bureau will accept Synchrony Credits responsibility in this, we can not lock in the interest rate because of a damaged credit score that we played no part in damaging. If this mishandling by Synchrony did not have such poor timing, while we are closing on our home we have been building the last 6 months, we may have never known what they did! This very well may cause financial hardship for the next 30 years, even if the my credit report is fixed. If this is to be case, at the very least Synchrony Credit should have to pay the difference this will cause monetarily for the loan, if not more for causing undo stress and harm. 

This MISTAKE by synchrony credit, as it sits now, has costed us almost {$90000.00} over the life of the loan for a {$2.00} interest charge we never knew anything about! 

When you go to their XXXX  page, apparently this is common for them. I saw so many posts from people who have had their credit scores drop because of these MISTAKES by them.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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: In progress
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer REPORTING agencies which is equifax, XXXX and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I invested in a XXXX  month rising rate CD with Santander Bank in XXXX of 2022 at 0.2 %. I chose this CD because I was told I could make a one time rate adjustment anytime during the term and was expecting that rates to go up. 
Last fall I went to my local branch and requested that the CD rate be adjusted according to the terms of its rising rate. The bank employee checked with a central office and was told that the rising rate CD was no longer offered. Of course, I still had that product, but they refused to honor their commitment. 
Instead, I was offered good rate of 4.16 %, but required to close my CD and invest in a new XXXX  month CD. I really wanted this rate but with the expiration date to match the rising rate CD that I had. The bank refused. I was upset, but decided not to fight them. My rising rate CD was closed on XX/XX/2022 and I was given the XXXX  month CD. 
When I was preparing my tax return, I noticed that Santander had charged me an early withdrawal penalty ( which I had been told when I accepted the new CD would not happen ). This was again an example of their refusing to adhere to commitments.

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 2021-01-09
Company: Recovco Mortgage Management, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sprout Mortgage delayed our Clear to Close ( 3 ) times. They took us through a rigorous unfair process, where we had to provide over 100 conditions to satisfy their requirements. All 100 conditions were met, and on the final day of the third extension, we received our Clear to Close only to find out the contract between the Buyer and Seller had expired one hour early voiding the contract. All Earnest Money and Due Diligence were lost totalling {$18000.00}. I felt we were definitely discriminated against in acquiring this loan prior to the 3rd contract extension.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
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 contacted all three credit bureaus to investigate inaccurate accounts on my consumer report. The companies say the dispute accounts are verified as accurate but do nothing to prove how they come to this conclusion.

Company response to consumer: In progress
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I sent my initial investigation about accounts in question to either verify accounts or accounts that are not reporting correctly. Then I sent another dispute on XX/XX/XXXX regarding the same dispute to investigate because NO RESPONSE at this point its past 60 days and these accounts NEED TO BE REMOVED IMMEDIATELY due to NON-COMPLIANCE for an investigation to be conducted. Attached are proof showing letters sent out requesting for investigation. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Reason : Please verify this account Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Reason : Please verify this account You reported this account as late in XX/XX/XXXX to XX/XX/XXXX ; However this account is still showing Open status, how is this possible? Please DELETE this inaccurate erroneous account immediately. 

Account Name :XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Please verify this account You are reporting as past due balance on a collection account. This account is past due by default. You are reporting inaccurate and erroneous information. Please DELETE this account immediately. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name :XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Reason : Please verify this account Please REMOVE ALL LATE PAYMENTS. I was never late. Please remove late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. You are showing I was 30 days for each of these months how is this possible. PLEASE DELETE ALL LATE PAYMENTS IMMEDIATELY. 

Account Name :XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Reason : Please verify this account Account Name : XXXX XXXX Original Creditor : XXXXXX/XX/XXXX XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Reason : Please verify this account The Date of last activity is showing different with ALL THREE BUREAUS how is this possible when you are reporting from same creditor. Please DELETE this account immediately. 

Account Name : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Please verify this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was purchasing merchandise from a private seller named XXXX XXXX he informed me that he had Wells Fargo banking and to transfer the money through XXXX which is by Wells Fargo customer. I sent XXXX XXXX {$400.00} thats went through and I never received my merchandise. I have not been able to get ahold of Mr. XXXX at all. XXXX also stated that he has a Wells Fargo account. I contacted Wells Fargo to disput my issue of being scammed and asked for a refund and they told me they can not. XXXX XXXX scammed me for {$400.00} and Im requesting a refund.

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 2019-04-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
1. I was granted a loan modification from Wells Fargo in the Spring of 2018 2. When I had questions about the final modification papers, Wells Fargo did not respond to all my questions. 

3. On XX/XX/2018 at XXXX I called XXXX XXXX XXXX at ( XXXX ) XXXX FHA Case # XXXX XXXX XXXX As Wells Fargo has not called me back yet about my questions and signing is set for XXXX today. They promised to call back and have not. 
I talked to FHA/HUD a girl named XXXX about the lack of response from WF on the issues I have questions on. 
She will try to find a representative to talk to but they usually need a few business days to process requests. 

at XXXX XXXX called from Wells Fargo during the above call. and this is the exact words in a legally recorded phone call XXXX : ... ..Those documents are now expired so theyre not essentially valid documents ... 
XXXX : So dont sign the documents with the notary because they are out of date? 
XXXX : Correct, Theyre expired so they would be invalid. There would be no purpose to signing those particular documents He said he will get back to me shortly with what they will do.

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 2019-04-01
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: Information belongs to someone else

Complaint:
I took the proper steps to get these accounts deleted. 

XX/XX/XXXX {$0.00} XX/XX/XXXX {$7400.00} XX/XX/XXXX {$9200.00} XX/XX/XXXX {$440.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$30000.00}

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 2023-09-25
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing this email to inform you of the most uncomfortable and unprofessional experience I had with XXXX XXXX XXXX XXXX # XXXX. I am a loyal customer of Truist for many years and I am applying for a conventional loan for a condominium I will be using as a secondary residence. She did not offer any loan options or alternatives to help me decide which loans are the most appropriate for me and failed to provide sufficient information about my loan. She insinuated that I would not be able to qualify or afford the loan and did not offer any alternatives or resolution. As you review my credit, I have an excellent XXXX XXXX and I felt demoralized after speaking to her. She has some uncomfortable and inappropriate questions and I do not want her to handle my application at all. I am requesting an immediate reassignment of this application to another XXXX XXXX. If not, I want my application closed with a request from Truist to the credit bureaus to remove the hard credit inquiries your institution performed.

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 2023-09-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Identity theft request of a inquiry to be removed. 
Investigations completed. all four of the Equifax results show inquiry should be removed. 

XX/XX/2022 XXXX XXXX

Company response to consumer: Closed with non-monetary relief