BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: Guild Mortgage Company LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was unaware of this regulation at the time, but then again I was trusting that my lender had our best interest at heart as well as knew the laws that govern them, but in reviewing XXXX  and the CFPB 's website it has come to my attention that when closing on a home the lender is required to provide you with a closing disclosure form issued at least 3 days before we sign the mortgage documents, at least 3 days before the borrower becomes contractually obligated to the lender so we may compare and ask questions before we go to the closing table. In our situation this was not the case but at the time I trusted my lender and mortgage loan officer, XXXX XXXX was doing right by me and was doing everything by law, I see now that is not the case. 

My husband and I did not receive our final closing disclosures until XX/XX/2020 at XXXX. We went to the closing table on XX/XX/2020 at XXXX. Based on our signed Note we became obligated to the lender on XX/XX/2020. We didn't even have a full 24 hours nor did we have a loan officer at our closing table to answer our questions. 

This is the second complaint I am writing to the CFPB regarding issues I have had with my mortgage originator and loan officer. This is another example of predatory lending as it is a blatant violation of the laws created to stop predatory lending and is the exact reason the CFPB had to be created.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Old information reappears or never goes away

Complaint:
This is XXXX XXXX and I am submitting yet another CFPB Complaint requesting the deletion of the fraudulent items off of my Credit File. Despite the multiple written letters I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/2023, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, the Credit Bureaus have been claiming that the disputed accounts belong to me without sending me any documents to support such claims.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
This is a continuation of : XXXX I heard from the president 's office, this took another 4 calls with them to fix and I finally got my check for {$71.00}. A nice woman called and asked if I wanted to close my account and I did not call her back as I had 1 ) moved to a new home and my time was a bit scattered and 2 ) I changed jobs and was also onboarding. I received another bill from Barclays for {$4.00} for an XXXX ride in XX/XX/2022. Once again, this is not my charge. Barclays had allowed someone to run up XXXX rides on a card that was 1 ) expired and 2 ) had never been activated. I am so truly disgusted with this company. I do not know how any credit card that is 2 months expired or has never been activated and was in my home could be stolen. I also don't know how they can tell me everything has been solved and I can close my account and then send me another bill. 

I called the office of the president directly when I received the most recent bill and they have not called me back. It's been over a week.

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 2021-02-02
Company: PENTAGON FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have called PenFed Credit Union three ( 3 ) times about unauthorized charges on a Visa Credit Card. Each time the Security Department representative states they will credit the charges and investigate the fraud. When I call back or, most recently, after I rec 'd my bill, I speak to the security department representative who states they have No Record of the fraudulent charges or of my call. 

My member number is XXXX my CC number ends in 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 2021-10-08
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reach out to XXXX, Equifax, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent Letters to the person/creditor and they have not abided by what ive requested. 
XXXX XXXX have shared my information without my approval, this violates law 15 U.S. Code 1681 In addition, They have violated my CONSUMER LAW by not giving me the option to OPT OUT from reporting this information to a third party! 
15 U.S. Code 6802b XXXX XXXX account number - XXXX. 
Date opened : XX/XX/2016 via XXXX Please DELETE ACCOUNT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Case ID : XXXX Disputed amount : {$350.00} USD Seller info : XXXX XXXX PayPal-XXXX XXXX XXXX : XX/XX/2022 Invoice ID : XXXX Transaction ID : XXXX Transaction amount : {$350.00} USD Further, it is clear : 1. That the above referenced transaction was not endorsed, signed, authorized, ratified, either expressly or by implication, by me or with my knowledge or consent.

2. That I did not receive or retain any benefit or value from the transaction, either directly or indirectly.

3. That, in fact, PayPal representative already confirmed that transaction was completed by the third-party email XXXX without my permission and for the benefit of XXXX. 
4. That PayPal favors XXXX against me as victim of fraud. 

THEREFORE, XXXX is requested to provide copy of the third-party Manuel Climent of XXXX authorization to act on behalf of me and/or authorization to inquire charges on my PayPal account. 

Attachment : Attached proof that XXXX authorized third-party Manuel Climent of XXXX to inquire charges kept by XXXX without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: JPMORGAN CHASE & CO.
State: TX
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:
Marriott International and its XXXX member Program have partnered with Chase Bank to offer Marriott XXXX loyalty members credit card products with false and misleading advertisements to entice consumers into applying and getting approved for the card and then immediately change the reward offerings upon approval, and remove the information previously advertised from any of the related documentation about the cards rewards benefits after the consumer is approved. The advertisements originally stated that I would get a significant amount of marriot XXXX points ( I believe it was XXXX or maybe a little less because I compared multiple cards in a matrix online they provided for consumers to compare cards and choose a credit card to apply for ) by applying and meeting appropriate qualifying spend levels in a specified time period. Once approved for the card, there is no further mention of this enticing language! Ive contacted both Chased and Marriot and each side spends numerous hours of my time transferring me between bunk departments, making me sit on hold each time and no one has a clue about the offer nor where to send me to get the assistance I need. My last attempt was a consumer compliant to Chase and Marriott where I informed them I would complain to my consumer protection agencies ( CFPB and etc. ) if not assistance was provided to sort this false and misleading statement issue out. As you are aware, through this process they must hard hit consumer credit for application and approval, then consumer is stuck with open credit card, which I am now refusing to use until they guarantee me the advertised bonus and benefits for my spend and interest payments, and additionally, if I immediately close the card due to their aweful inappropriate malpractice service, I as the consumer take additional hits to my credit. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi, I just recently put in a complaint here with Experian and was told I was not authorized? What does this even mean? What does " This complain lists someone the company does not recognize as their customer or their customer 's authorized representative '' mean? Do you need to contact me via email or phone? Either way, I have not received ANY response to my disputes. Please send my updated 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 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-07
Company: EQUIFAX, 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:
An account appearing on my bureau which is XXXX XXXX   and it actually XXXX XXXX XXXX which purchased my auto loan when XXXX XXXX closed their doors the loan has never been late and has been paid in full.. I am attaching the letter I got from XXXX XXXX XXXX. along with the paid in full..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: RSI Enterprises, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am choosing to settle this debt with original creditor XXXX XXXX XXXX, I know that its their obligation to assist me with this matter since they are a nonprofit organization they must help please cease and desist all collections activities and stop reporting this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: PNC Bank N.A.
State: DE
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:
XX/XX/2021 PNC Bank I received three preprinted checks from PNC bank to be used to transfer balances. I called PNC and spoke to XXXX who explained that if someone fraudulently cashed one of these checks, that PNC would cover it. I spoke to her supervisor, XXXX who confirmed what XXXX said but indicated that I had to report the fraud. XXXX indicated that a {$2000.00} check would probably get PNC 's attention but smaller amounts might not and would need me to identify the possible fraud. I use my credit card for everything and place thousands of charges monthly. I do review my statement but I assure you I do not pay much attention to smaller charges so I might not even notice the fraudulent charge if it was not in the noise level. I'd not question a {$60.00} charge. If I do not question it, PNC would not address it and I would be out that {$60.00}. 

PNC or any bank should not be allowed to send out these checks and put their account holders at risk.. It should be illegal and I intend to contact my representative and senator.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I was informed by American Express via telephone and their website prior to committing to the XXXX XXXX and XXXX XXXX that the annual fee would be waived for XXXX XXXX military personnel. I am a cadet at a service academy, and according to title 44 of US code I am an XXXX XXXX XXXX. American Express amended their policy to exclude cadets so they will not reimburse me the {$550.00} for the XXXX XXXX and {$250.00}. Once this was realized it was outside of the 30 day window to cancel the card, so simply cancelling them could negatively affect my credit score and would not reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, 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 information incorrect

Complaint:
I am beyond angry my credit cards have been paid to a XXXX balance for one account an another was paid down to XXXX. I have been for 8 months obtaining documentation for all 3 buearus to prove that they are not reporting current an correct information because i am tring to buy a house. On the first i expected to see those corrections because I am so sick of this i am about to sue. An still no changes I am beyond angry this is so wrong an against the XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-06-27
Company: NRA Group, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has stated that I and/or my wife XXXX XXXX owes {$1400.00} from past due tuition for our child attending daycare. This amount is wrong as there was a huge computer issue that overcharged our account by XXXX and this amount that National Recovery saying we owe is the remaining balance that was never issued by XXXX back to us! 

The statement records will show the large overpayment and the issues in returning our funds. This was a huge mess and we have tried to resolve this with XXXX however no one was able to help and we refuse to double pay! 

This debt should be removed from my wife name ( XXXX XXXX ) and should be a XXXX balance based on the fact this was already paid.

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 2023-01-21
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No Medical debt under XXXX dollars should be reported on credit file starting XX/XX/2023, they submitted a claim of XXXX on my credit file and dropped my points 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX overcharged loan payments and insurance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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