BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: MORTGAGE SOLUTIONS OF COLORADO
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
greetings, this is the second complaint against this company Mortgage Solutions of Colorado, the first one got resolved because I wrote a complaint to the CFPB for help. Now, I had a water claim that was resolved asap by my homeowner insurance XXXX by the way which is excellent at handling my claim fast due to my health condition being a XXXXXXXX XXXX and they also knew that I am going out of the country. So XXXX XXXX XXXX from XXXX the claim examiner got my claim resolved fast and I received the check within three days when they told me that it would take 5 to 10 days, so happy for the way XXXX handle my claim. 
Now, before I got the check I called mortgage solutions to let them know that I will be sending a check that I will need asap to be endorsed and sent back to me please because I have an emergency and that I have the workers ready to start work asap. I also told them that I can not be going back and forth upstairs using the bathroom due to my XXXX XXXX and XXXX, that bathroom in my master bathroom was built by the VA for me with the HISA grant after I purchase the property, it unfortunate ii had a major leak and I paid to fix for the leak out of my pocket to stop any further damages which are why also I got my claim resolved in such a smooth manner. 
I spoke with an agent by the name of XXXX, she was very kind and professional she gave me all the information that was needed to get the check endorsed and get it back within two days. she told me that not to sign the check-in the front of the check find any blank place and write this following tracking number XXXX and she also provided me with the address to send the check. On Monday, XX/XX/2021 I sent the check via XXXX overnight in the amount of {$50.00} and they received it on XX/XX/XXXX at XXXX XXXX  and it was signed by XXXX XXXX. now the two days I should have received the check back on the XX/XX/XXXX but since it was veterans day ok, it should have been Friday, XX/XX/XXXX, or Saturday, XX/XX/XXXX which is the date that I am writing the complaint. 
I have made numerous calls were on Wednesday, XX/XX/XXXX I spoke with a supervisor that told me that I should receive the check endorsed the following day, I called on Friday four times and spoke with four different agents and one supervisor and they said that they are waiting for the corporate office to approve the check, but when I call the corporate office they said that they don't have it and it has nothing to do with them. 
I will like to know why a mortgage company is making it so difficult when the insurance companies are usually the ones that make it hard for homeowners, I don't know why this company does that to the military family it is shamed and unjust and just sad. They have so much company involved with a check that it doesn't make any sense, I sent the check to the money source, then the supervisor says thank you for reaching out to the citizens. wow, I just don't know CFPB please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was use to open credit card and store card accounts without my permission. My drivers license and social security number was used to open these fraud accounts. I have know known knowledge of these accounts ever.

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 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX/transunion per Transunion credit report XX/XX/XXXX XXXX XXXX est fall off dateXX/XX/XXXX looking at XXXX XXXX, XXXX XXXX was removed from credit reportXX/XX/XXXX new XXXX XXXX report XX/XX/XXXX ; XXXX XXXX was placed back on and new est fall off date XX/XX/XXXX 1-why was it put back on after it was removed 2-why is the fall off date changed to XX/XX/XXXX from XX/XX/XXXX 3-date of last payment with original creditor XXXX XXXX XXXX XX/XX/XXXX per credit report ( XX/XX/XXXX was 30 days late and account never brought up to date. XXXX XXXX shows last payment XX/XX/XXXX but delinquency date of 120 days was XX/XX/XXXX. XXXX XXXX already removed from all three credit reports. 
4-XXXX for XXXX is 4 years and previously XXXX already advised in writing they can not sue me! 
5-why did date change and put back on credit report after it was removed

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 2023-07-29
Company: EQUIFAX, INC.
State: AR
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 am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: PA
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 previously asked for an investigation as this company is not providing information that is accurate. This company is reporting that this account is paid in full a payment and I'm asking if this is true can they provide proof of paid in full. This company can not provide me with proof because this account is in litigation with a balance and this company is providing information that's not factual data on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have paid XXXX XXXX XXXX my phone bill before closing my account last year! I have already contacted all credit companies and they removed it bc it was wrongful and now again for the second time they have resold my information to Mrs Bpo and these arrogant disrespectful have no regard for anyone BLOWS my phone up from noon to dusk. 
They should be held accountable and there needs to be a revolution on this Abusive entity having this much power.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So Ive already reported several things about Wells Fargo and I just had an employee call me refused to give me her first and last name or a code to link to her. Which I know they do sometimes if they dont want to give out their private information. Shes assuring me that they use XXXX numbers and never in my life since I bank with Wells Fargo since they were Wachovia and XXXX XXXX never have they asked me to call a XXXX number. 

This lady said her name was XXXX XXXX would not give me a code to link back to her. Also asked me my birthday and last four of my social, which they are not allowed to do. I was told when they call you. I gave it to her because theyre covering up the fact that they already have this information by stealing it on second life. Tells me that XXXX, no last name, is the account manager. Just was concerned about me reporting the XXXX number. I would like their numbers trace back because they are using scramblers. And I assured her a court can do that. Because I had my friends boyfriend stock her while she was at my house and they can trace back numbers even if its a block number every electronic has a code to send a signal to a device to make it work. But I didnt know how to update information on these cases so I started a new one. XXXX XXXXs number was XXXX. Says they all use XXXX numbers. Never in my life have I called the bank on a XXXX number! Old XXXX, phone number she wanted to tell me that this branch is based out of North Carolina. And thats why they use XXXX numbers thats XXXX. 

Also, XXXX XXXX tried to say her last name I only had one letter and I said nobodys last name is one letter thats when she changed it after saying yes, it is only one letter to were not allowed to give out our last things and didnt give me an ID number

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 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Multiple inaccuracies on my credit report. Old and outdated information or items that should have been removed. I dont recognize a few items on my report, and Im trying to repair my credit so its very frustrating

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 2023-07-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-13
Company: NAVY FEDERAL CREDIT UNION
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 belongs to someone else

Complaint:
XXXX XXXX continues to discriminate and perform deceptive practices. I've reached out to them multiple times to try to remedy the situation with them but they continue to violate federal law. Persuant to 15 USC 1681c-2 ( A ) a consumer reporting agency shall block the reporting of any information that resulted from alleged identity theft not later than 4 business days after the date of receipt. Pursuant to 15 USC 1692c ( c ) I wrote them to invoke my specified remedy as a consumer and original creditor and demanded them to cease and desist from reporting these fraudulent accounts and they still have not done so. Federal law trumps policy and navy federal does not seem to believe so. I attached my ftc report my identification card and my affidavit of truth under 15 USC 1681c-2 ( A ) the accounts should have been deleted immediately after the receipt of the documentation. I will attach all documentation that I have sent to this company I have made a complaint with the XXXX  and attorney generals office the next will be my lawyer drafting a complaint in federal court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Credit agencies are reporting incorrect scores and inaccurate information. I paid a loan OFF and paid my credit card balances down. My credit utilization should be less then what it was. They need to update scores and reports. Its impossible for a score to drop XXXX points when I paid a loan OFF.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I initiated a payment to my Citi Double Cash card through Citi 's website with the payment to come from my XXXX XXXX account. Citi then submitted the payment request to my bank 3 times. When I inquired with my bank what happened, this was their response " Thanks for reaching out. I do see that a payment to Citi Card for {$75.00} was processed on XX/XX/XXXX, at XXXX XXXX  CT. Following that transaction, the available balance in the account was {$31.00}. It looks like Citi Card has sent two additional requests for debits of {$75.00}, on XX/XX/XXXX at XXXX XXXX  CT and XX/XX/XXXX at XXXX XXXX  CT. Since the current available balance is {$31.00}, those transactions were declined for insufficient funds. '' This was from a message dated XX/XX/XXXX. 

According to my Citi card statement, this is the series of events XX/XX/XXXX. ONLINE PAYMENT, THANK YOU. {$75.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU. {$75.00} XX/XX/XXXX XXXX XXXX RTN R01-INSUFFICIENT FUN. {$75.00} XX/XX/XXXX. RETURN CHECK FEE - XXXX. {$28.00} I called Citi to find out why this payment was initiated multiple times and to request the removal of the return check fee from my account. The customer service rep that I talked to seemed to agree that this was a mistake on their part. How could multiple payments of the exact same amount on the exact same date ( within minutes of each other ) from the exact same account not be a mistake, especially if there were insufficient funds for the second payment? She said she could not make changes before the closing of the statement period and I would need to call back after XX/XX/XXXX. She said she would attach a note to my account laying out what we discussed and the issue would be resolved when I called back. 

I called back today ( XX/XX/XXXX ) and was informed that her note was reviewed and rejected. The customer service rep today said the mistake was not their doing and there was nothing they were going to do to correct the issue.

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 2022-12-26
Company: NAVY FEDERAL CREDIT UNION
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 want to bring to your attention a great injustice done to me by my mortgage company XXXX XXXX ( actually XXXX  ) by reporting me to XXXX XXXX with a fake late mortgage payment. 
I have my mortgage on my condominium since XX/XX/XXXX and I paid every month in time. NEVER missing a payment or being late!!!! Working hard for over 10 years to build a great credit score of XXXX!!! 
In XX/XX/XXXX I received my last mortgage statement XXXX XXXX my principal being XXXX ( XXXX! ) $ after I made the payment in time. In XX/XX/XXXX I contacted XXXX for payoff, I send a cashier check of XXXX in XX/XX/XXXX if XXXX. 8 days later I found that the cashier check is lost and I cancelled it and send a new one XXXX in XX/XX/XXXX of XXXX. I also send it to you the received and the trucking number for the cashier check. 
With shocking surprise I receive in XX/XX/XXXX another bill for mortgage payment in sume of XXXX XXXX 
When I talk with them over the phone they told me that is a mistake, that the system is still generating mortgage payments because my mortgage maturity date is XX/XX/XXXX. They also told me that I should disregard the bill and that they will fix the system and I will no receive another bill for mortgage payments!! 
After weeks of talking with XXXX  on the phone, more than 14_15 phone calls and hours spended with them on the phone, I found out that they actually reported me beeing late and they XXXX my credit score from XXXX to XXXX now!! 
Is a big injustice!! Is fake, stressful and very dissatisfied after years of payments in time!! 
I consider XXXX beeing very unprofessional, fake, untrue, never looking for facts or verify the payments, just spreading fake informations. I will never look forward to deal with them for any other loan, never recommend them to anyone!! 
Please fix my credit score or I will look for justice in court. Just check all the fact and bring the true to the life. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX XXXX Loan number 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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Very disappointed with TransUnion, of all Credit Agencies, your response and clear lack of proper assessment, you've sided with a crooked company that has lied and not corrected their own misreporting, despite my screenshots of information proving so. You also continue to reduce our scores, again without any consideration, which the other agencies have corrected and who properly reviewed all information and took care of correcting information and scores. Despite proof of unfaultered trial payment program, which has not been corrected, you clearly are unable to rationalize the facts. 

XXXX XXXX XXXX XXXX XXXX, shows missed payments on our mortgage, on two occassions, - PRIOR TO THEIR OBTAINING the mortgage from XXXX XXXX, where there was an agreed deferment and already signed documents in place to restart payments, AND XXXX reporting failure of making trial payments to them, which are clearly documented on the account, received documents of confirmation of ALL Trial Payments and agreement to continue planned payments, YET XXXX  and TRANSUNION have failed to remove the INCORRECT INFORMATION FROM THE CREDIT AGENCY PUBLIC RECORDS. WHEREAS the information has been corrected with XXXX AND XXXX ..... 
This has now caused any company using ONLY Transunion to DENY CREDIT, based upon FALSE INFORMATION from XXXX  on TRANSUNIONS site. 
We have also since received a letter from XXXX offering products to us, based upon our " EXCELLENT PAYMENT HISTORY '' XXXX  and TRANSUNION HAVE FAILED to correct and will be subject to litigation with the Documented proof we have from XXXX  THAT EVERYTHING SINCE AND INCLUDING THE TRIAL PERIOD was satisfactorily PAID AND SETTLED.

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