BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2022, myself and my wife file for a construction loan with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX over six months which we didnt talk to the underwriter or any other loan officer when we request it to speak to someone else. we had a hard time contacting XXXX XXXX. Matter of fact during the whole six months we had a hard time contacting him and his so-called loan team could not be reached, and I took at least two weeks every time that we requested something to contact him. The bottom line XXXX XXXX denied us because he said that we didnt have enough capital. XXXX XXXX didnt look into another construction loan like Single Family Home from USDA XXXX We believe he didnt try to get us alone also we dont know who is XXXX or incompetent.

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 2019-10-31
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
they closed my account for no apparently reason I had direct deposit come into my account because somebody stole my card and multiple times and he gave me provisional credit each time Chase is the worst bank my card number XXXX was supposed to receive a direct deposit on XX/XX/XXXX it's now XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: MA
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:
HI U.S. Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX ... ..How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: OR
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 am applying to refinance my home. I had 7 inquiries from mortgage lenders from XX/XX/2020 to XX/XX/2020. This well within the 45-day limitation allowed to shop credit interest rates. Within this time time period, my FICO score drops 42 points. Instead of combining these inquires as one they appear to each is considered " hard inquires ''. When I questioned the credit bureau in regard to this, I was told I needed to have each mortgage lender write and tell them these were mortgage inquiries. Upon looking closer I found that each one had been identified as mortgage inquires.

I am being ignored with my complaints regarding this matter. All 3 reporting agencies are doing this same thing. When I threatened to inform CFPB they were not in the least concerned. Apparently, they view you as a toothless tiger.

Can we possibly prove them wrong??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen has made many mistakes. 
Last one was including a borrower that wasn't on the loan.

Ocwen has started foreclosure proceedings and endangering the household.

With the foreclosure filed strangers drive by all hours of the night especially while homeowner works at night.

Ocwen keeps delaying saying that they haven't received my filed personal taxes when in fact in their own email they say they have received them With that delay Ocwen won't review the complete package and submit for a loan modification so we can keep our family home and get rid of the foreclosure.

I am ready to make a mortgage modified payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
The credit report is showing a XXXX XXXX XXXX with an outstanding balance of {$6400.00} whereas the loan is paid off with a XXXX balance.

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 2020-05-26
Company: Experian Information Solutions 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:
XXXX Account number XXXX. In their letter dated XXXX XXXX informed me that they a sent a request to Experian to delete the XXXX Account number XXXX. Experian has not deleted this account from my credit report. Experian claims that they have verified the information with the data furnisher. I've sent Experian a copry of the letter from XXXX. In the letter XXXX states that they have sent a request to Experian to delete the XXXX account from credit report. Experian has failed to comply with the request from 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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2020-10-29
Company: Experian Information Solutions Inc.
State: CA
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:
These accounts have Inaccurate and erroneous information on my credit file. I have notified Notified XXXX XXXX on several times on top of the companies listed below. They continue to say they verified information that I know they have not verified because it is incorrect so there is no possible way they could have verified information that is not true. Because of their negligence in reporting and inaccurate information it is causing me to have difficulty renting or purchasing a car. Covid seems to be the excuse for every Company not to follow the Federal law where credit reporting is concerned.

They have not verified, any of the debt that they are claiming belongs to me. 
I have never done business with any of these companies and none of these companies have contracts from me or assignments that show any proof that I have done business with 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 explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF EXPERIAN, 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 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Since XXXX XXXX, 2017 I have continuously submitted dispute with the three major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The three major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.

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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XX/XX/2015 Amount XXXX Reported on my report has negative

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Nelnet, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
School closed down for fraud all of my accreditations were snatched from me so why should I have to pay back a loan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
i have a checking and savings account with CITI bank. they kept advertising what great credit cards they have. i already have a mastercard and a XXXX  card, both with limits over {$10000.00}. i was told as soon as i got my card i could call and ask them to raise my limit, if wanted. i did so, and was denied. they gave me a {$1000.00} limit. and then i found out that was my limit until i paid off whatever i owed on my account. i was understanding that my limit would be from closing date to closing date. not true, probably because i've never had such a low limit. when i called i got a supervisor, off shore, who could not care less when i told her i would not be using my card after i reached my limit. i asked why they gave me such a low limit, but no explanation was given. my credit score is XXXX, so i really don't understand. i am ready to close all my accounts with CITI because of this treatment. i really feel i was totally deceived into applying for this card, as i didn't really need it, but promises were made that are not being kept.

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 2019-02-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This issue relates to Citizens bank. 

I signed up for a new Platinum Checking account as part of a new promotion in XX/XX/2018. I was supposed to receive a {$400.00} payment once I created the account and deposited a single $ 1000+ direct deposit within 60 days of the account opening. 

I have talked to multiple bank personnel, through email, phone, and in branch, that confirmed that I signed up for the account during the promotional period, met the direct deposit requirements and that I was supposed to receive the bonus. There have been multiple 'investigations ' that have taken months to resolve. They are now saying that there was no 'promotional code ' attached to my account and that I would not be eligible for said bonus. In the meantime, Citizens Bank has been charging me service charges despite not fulfilling the terms of the agreement.

I do not trust this account for handling my money when Citizens Bank can not deliver upon this promised bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
When the vehicle was purchased, we were not clear as to how "simple interest" would be calculated.  We are paying 22% interest in a vehicle that should be more than half way paid off by now.  We have made 72 payments of XXXX on the initial purchase of $XXXX.  We were told that $XXXX  of each payment went to the principal balance.  That would leave a balance of around $XXXX remaining.  However, the payoff for the loan is $XXXX    That's a difference of about $XXXXWhen we purchased the vehicle this was not explained to us.  It is a fraud to tell people that they are paying money toward the principal and then not apply the funds to that balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The reward terms on my AT & T Access More Card from Citi says " Three ThankYou points earned for every {$1.00} you spend on purchases made online at eligible retail and travel websites. '' However, I have found quite a few qualifying online retail & travel transactions in my last two statements are only earning 1 points. Here are a list of them : Transaction date : XX/XX/2020 Merchant : bestbuy.com Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : XXXX Amount : XXXX My comment : this is clearly an online travel purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : staples.com Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : XXXX Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

All above transactions should earn 3x points according to Citi 's reward terms. However, I only earned 1x points on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: BB&T CORPORATION
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: Information belongs to someone else

Complaint:
There is an Inquiry on my credit report that shouldn't be on my report from a company called Bb & T from XX/XX/2019!!! I want this inquiry removed as soon as possible. My named is XXXX XXXX XXXX. The persons name this inquiry belongs to name is XXXX XXXX XXXX!! Please removed this item at once from my XXXX credit report. 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 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 am applying to refinance my home. I had 7 inquiries from mortgage lenders from XX/XX/2020 to XX/XX/2020. This well within the 45-day limitation allowed to shop credit interest rates. Within this time time period, my FICO score drops 42 points. Instead of combining these inquires as one they appear to each is considered " hard inquires ''. When I questioned the credit bureau in regard to this, I was told I needed to have each mortgage lender write and tell them these were mortgage inquiries. Upon looking closer I found that each one had been identified as mortgage inquires. 
I am being ignored with my complaints regarding this matter. All 3 reporting agencies are doing this same thing. When I threatened to inform CFPB they were not in the least concerned. Apparently, they view you as a toothless tiger. 
Can we possibly prove them wrong??

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 2023-07-27
Company: EQUIFAX, INC.
State: TX
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:
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 XXXX XXXX XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I had submitted a dispute with XXXX XXXX XXXX XXXX months ago. I received a letter from XXXX that the loan that is reporting in the amount of {$6600.00} ( as a charge off ) and negative will be removed and deleted off all 3 credit reports. I submitted this letter to all 3 credit reporting agency 's as well. Yesterday XX/XX/2020 I received an updated credit report from XXXX stating the information is reporting correctly. This is completely wrong! That negative information from XXXX XXXX  XXXX XXXX XXXX was to be deleted according to there letter. It has been months now and it's still not deleted. I have been more than patient in trying to resolve this problem as having this report on my credit reports is causing me a hardship with my credit score. I tried disputing it again with XXXX but they will not accept another dispute. I was told it has been disputed already and will not allow me to re-dispute it. I have proof from the bank it is going to be removed. This is so wrong.

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 2019-08-20
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have try to call serval time no answer please remove from credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation