BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I decided to get a home built back in XX/XX/XXXX as first time buyers. The scheduled time for the home to be completed was XX/XX/XXXX. Prior to the initial closing process, our loan/officer processor submitted our information to the underwriter of Mortgage Solutions of Colorado LLC, as a preliminary review. All was good. As time approached to us closing which started in XXXX, we submitted all necessary documents the lender asked for in less than one business day. The turn around time for them to look at the documents were 1-2 weeks top turnaround. We understood during Covid, processing takes a little longer, so, we understood. XXXX approaches and they send a rental history verification to our place of living. Well in order to do that, we had to put in our 60 day notice. So fine, we did that. End of XXXX approaches and here we are back at square one with them asking for the same documents they originally been asking for. So again, we submitted. Again, our turnaround time was less than one day. Now we are approaching XXXX, we finally get a closing disclosure. Surely this was it. Well it wasn't. They ask for the same information once again. Being concerned that time was approaching to our close date, I reached out to the Account Executive ( XXXX XXXX ) that was over our account. My experience with XXXX was the worse. I expressed my concern to XXXX and was looking to see what was happening. XXXX did not give a care in the world. He reasoning was its due to Covid and turn around time is 30-70 days turnaround. He continued to interrupt me and disregarded my concern as a new buyer. Mind you nothing was wrong with our credit, income etc. And also mind you, we started the process back in XXXX which now we are in 90 days. Outside of the SLA XXXX XXXX mentioned above. Now we are in XXXX and yet still nothing. We received a cancellation notice with the builder due to lack of closing. This information was forwarded to Mortgage Solutions team from my understanding and still, nothing. DO NOT choose this lender to close your loan. They have given us XXXX and this is suppose to be an excitement and joy as first time buyers. Other than their lack of fair service, there is no other reason why we should not have closed. This isn't the only platform I will submit my complaint because this has caused us to be put in a situation on many levels. We have to consider now where we are moving with now our lease being up to leave our apartment, my children being withdrawn from their school with the assumption we were moving because of our Closing Disclosure we received. Mortgage Solutions of Colorado LLC is pathetic and have lazy, sorry associates representing their values. If they have any. If I could give them a zero rating I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX and XXXX XXXX. Please correct and update.

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 2020-07-27
Company: Experian Information Solutions 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:
FRAUDULENT INFORMATION IS BEING REPORTED AND THE REPORTING AGENCY IS BEING NEGLIGENT DESPITE ME SUBMITTING POLICE REPORTS AND THEFT AFFIDAVITS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2021 I looked in my XXXX statement and saw that I had a charge of {$430.00}. I called the credit card company as I know for certain this is fraud. The credit cards were not activated and they were only used once when I opened the card and I never used the card again. My statements can show that. 
I called the company and they ran the investigation. After about a month I received a letter in the mail that the charges are accurate. I was upset and called them again to see who I can speak to as this CAN NOT be accepted. They ran another investigation which I did not request and freeze my account which is fine because I dont use the account at all but they will not dive further to see that I did not make this charge. I called the merchant and the parent company confirmed it is fraudulent but I have to run the investigation with specific merchant and they sent the email for me to do. I submitted the information to that specific merchant in XXXX and they said that I should check my email addresses to confirm the charges. I DO NOT and have not authorized nor submitted this charge and I dont understand why they are not able to help in removing the fraudulent charge!

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 2020-07-15
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: Account information incorrect

Complaint:
XXXX XXXXMy name is XXXX XXXX. I have two accounts ending in XXXX and XXXX. The last four of my SS # is XXXX. I am writing to dispute the late payment reported by XXXX  XXXX I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX XXXX before hitting me with late credit reporting! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. They need to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Information is missing that should be on the report

Complaint:
In accordance with the fair credit reporting Everything has to be 100 % accurate on the credit report Dates reported are not accurate. Also, does not match. This grounds for removal. They also violating my rights under.

15 US C 1681 section 602 A. I have the right to privacy 15 U.S.C 1641 Section 604 A Section 2 : also states a consumer reporting agency in The can not furnish an account without my written instructions.

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 2023-06-21
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:
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: EQUIFAX, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 my complain for you to notify that the inaccurate informations continue to report on my credit report, In violation of federal law, the 3 credit bureaus shall make actions and make the accounts be corrected. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. These following accounts needs to be corrected immediately XXXX XXXX XXXX XXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXXXXXX 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 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: CA
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 called XXXX XXXX XXXX on XX/XX/2020 and opened a payment protection claim on my loan since I was laid off from my job. They indicated they will file a claim for me and I won't need to make a payment. 

They lied and reported my account 30 days to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I ordered a XXXX XXXX XXXX from American Express online and received it on XX/XX/2023. I made two initial deposits of {$15.00} and {$40.00} through electronic transfer from my checking account at another institution upon activating the prepaid card. The prepaid card account has been locked for no reason and the only explanation that I have received is call your financial institution. I am unable to access the prepaid account and use my money. I have submitted a dispute through my financial institution on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased a flight on XXXX that was supposed to earn 6.5 % cash back as per the link. Upon checking and confirming with customer service representatives I received less than that. 

I signed up for a 6.5 % rewards rate for travel purchased through Chase Ultimate Rewards. I have shared link below but also provided screenshot in case they end up changing the page. Anyways this screenshot shows the rewards rate I signed up for in XXXX, which I also called to confirm. But NOW, when I call I am being given the run around no one can answer why my rate is not 6.5 %. I sent multiple secure messages through chase portal, called and nothing. 


XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX & XXXX Then after calling today on XX/XX/XXXX and being transferred multiple times and being on hold for over an hour the call mysteriously dropped. 

Seems no one can answer my questions directly and are instead sending broad responses to specific questions that still have not been answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank : Wells Fargo - https : //www.wellsfargo.com/help/contact-us/ Called again to to get the 40 year loan modification asking for a table similar to the attached to understand and compare and make an informed decision. Was informed that is not possible and was pushed to one of the other options being forced to select the COVID-19 payment deferral due to the lack of information on the 40 year loan modification to make a decision. Was informed it is not guaranteed, they can not provide me with the information similar to the attached file to make a decision and hence strongly discouraged by who I spoke too. I want the loan modification to 40 years, fixed interest rate, lower than current interest rate, as attached for all my active loans with Wells Fargo.

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 2020-07-15
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
Santander consumer USA has been an issue since Ive gotten their service. I complained to them in writing three times & then twice to the credit bureaus. 

They are saying that i made a late payment in XXXX. I disputed this late payment, they then moved it to XXXX on XXXX and XXXX but on XXXX reported it indeed XXXX. Making it look like two late payments. 

They also have the wrong number of debt owed. They are reporting my balance {$800.00} more then i owe & i make my payments on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my other endeavor to tell XXXX AND TRANSUNION CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX Balance : {$0.00} ; 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 2020-01-26
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Credit management claims I have a outstanding debt of XXXX for a cable bill with XXXX. I currently have a account with them an I'm current on my bill with them. Please help me remove this off my payment history its tarnishing my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-07-15
Company: ACIMA CREDIT, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I made a purchase of jewelry that had a precise value, two weeks later the jewelry had a higher price. So I decided not to buy it, but I had already paid the remaining amount which was XXXX. Why did I pay for this before the jewelry was shipped? Because Acima has a facility that if you pay before 90 days, you pay the exact amount of the product without interest. XXXX XXXX XXXX They say they sent me the product on month 6 on day 9, which may not be possible because the jewelry is in Florida. They have no proof that they sent me the product, because it did not, not even a tracking number. Acima from the beginning told me that I would insure my money, Acima credict had full knowledge that even a month later they had not given me the jewelry, since they made a call to me on XX/XX/XXXX to find out if I still wanted to continue with the order where I I gave him the approval that we wait a week to see if the jewelry really works. The jewelry information is Mr. XXXX the difference, telephone # XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation