BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: Affirm Holdings, Inc
State: NC
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:
On XX/XX/XXXX, I made reservations with XXXX XXXX XXXXXXXX using a loan through Affirm. The loan amount was for {$1400.00} with an APR of 29.99 %. I took out the loan to go to California to bury my father. 

On XX/XX/XXXX, my son, daughter, and I checked into the XXXX XXXX by XXXX XXXX. As we walked down the hallway, I noticed a large hole in the wall. We then proceeded to our room and noticed in the bedroom the top of the headboards and the mirror were very dusty ; I found this out because my XXXX started bothering me. The windowsill was rusted in the bedroom ( see picture ), and the paint was peeling away as well. The sink 's faucet in the bedroom, when turned on, was barely a trickle. The bathroom 's wallpaper was peeling from the wall. The toilet stopped up, and after a few phone calls, we finally received a plunger. There were not enough towels for the three of us, and my children had to go downstairs because no one ever brought them up to us. The pool was a murky green, which was really evident when the pool man used a brush to sweep the algae from the sides and bottom of the pool. I have stayed in XXXX hotels in the past and never had an issue, I specifically chose this hotel because it was close to the mortuary where my father was to be laid to rest. 

I contacted XXXXXXXX XXXX and was told to contact the general manager of the hotel who was not able to help me and told me to call XXXX XXXX XXXX. I also called Affirm who too could not help me because I already had this loan established with them. I then had to call XXXX and a new reservation was made for us to be switched to another XXXX hotel ; however, when we went downstairs to the front desk to let them know we were being transferred to another XXXX hotel, the young lady checked us out. We then proceeded to the XXXX XXXX, where the new reservation was. The young lady tried to pull up our reservation and told us they had no reservation for us. 

I found out that when the young lady, who was in training, at XXXX XXXX had canceled our room, she had inadvertently canceled not only the current reservation but the new one as well. My children and I were without a place to stay and had to stay at a cousin 's place. What an inconvenience this fiasco was! This was a very stressful time for us and when we were without a place to stay it was detrimental to us as well. Imagine being literally put out on the street, that is how we felt!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This account XXXX XX has improper grammar it says the account is potentially negative and it says paid I'm saying that the monitoring of the account is incorrect it was paid the first two years of a four-year contract and a couple months was unpaid and then went into negative but the account was later paid off in the account is paid now they also settled then I paid I believe the account should say potentially settle and paid it should not say potentially negative although the town had a few months unpaid it was 2 years pay on the same account so it's just say potentially settle and paid and if it says potentially negative and paid off it is considered incorrect grammar

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 2015-03-31
Company: CONTRACT CALLERS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX and Contract Callers, a debt collection agency, tried to embezzle money from my XXXX, XXXX XXXX. They have repeatedly called on the phone from a private office number and have made threatening remarks. According to my credit report, XXXX XXXX and Contract Callers tried to embezzle {$260.00} and commit other acts of harassment, intimidation and acts of grand larceny. The latest incident was on XXXX/XXXX/XXXX. This false information on my credit report is the direct result of identity theft. Additionally, the NYS Attorney General wrote a cease and desist letter in XX/XX/XXXX on my behalf. The debt collectors in question also demanded {$2000.00} from me over the phone. They used threatening statements to make their point.

Company response to consumer: Closed
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reinvestigate my credit file, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX Balance : {$10000.00}, XXXX XXXXXXXX Balance : {$290.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Avant Credit Corporation
State: CO
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:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. This account has since been closed but it is still affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please UPDATE the following accounts from my consumer file as I don't have any late payments, though it's showing 3 late payments in 2016. So unless you can furnish a detailed ledger of late payments with proof that it was late for this closed account, updateto paid on time. If this account can't be verified with original signature it must be deleted. 

WELLS FARGO 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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-06-22
Company: OneMain Finance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
on or about XX/XX/XXXX, i applied for a secured loan with one main financial in XXXX indiana. 
i submitted all required paperwork, and my loan was approved with a re-finance of a vehicle in my name that has quite a bit of equity in it. 
i was very clear in every step of this process that the vehicle in question was registered in North carolina, as i am a nice mom and purchased this vehicle for my daughter. 
One main even informed me that they were aware of the vehicle being registered in North carolina. they confirmed this as true as they were able to see an electronic title and registration for my vehicle. 
i went into the branch in person to work on the paperwork for loan closure. 
when i went into the branch the manager informed me that they assumed my vehicle was registered in Indiana since north carolina and indiana vehicle titles look the same Even though i asked repeatedly they were aware the vehicle was titled in NC. 
one main said sorry, we cant do this loan and denied it. 
i received a letter with adverse credit actions taken- which i dont understand as the loan was approved. 
I reached out to corporate on XXXXand asked why a financial institution is not doing due diligence to validate customers Personal information when applying for a loan. 
I also want to know what the adverse action letter was received that my loan was denied for high loan to income value - but the loan was Approved. 
corporate called me back on XXXX and said they would investigate but would be leaving the office early. they asked i provide a copy of my vehicle in questions registration, which i did on XX/XX/XXXX. 
when i did not hear back from corporate by XX/XX/XXXX i reached out again to ask for an update. 
corporate gave me the run around again, saying they did not receive my registration photo ( why they didnt reach out and tell me this no idea ) so i resent the copy of registration again on XX/XX/XXXX. 
It has no been almost 30 days and i still have no answers on why the loan was approved and then denied with false reasons, why i received an adverse notification letter, and why one main who is a financial institution has no regard for customers PII information, or does not do due diligence when working through a loan. 
i myself work in a financial institution, and this is NOT the way we treat customers and their sensitive data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2022 I was approached by a person I did not know and forced to deposit fraudulent checks totalling {$980.00} into my bank account. I was then forced to withdraw {$980.00} in cash. 

The same day, I called Bank of America to inform them of the fraud and theft, filed a police report, submitted an FTC report, and began the process of submitting a claim through Bank of America. The claim was closed on XX/XX/2022 and was not resolved in my favor as footage shows me making the deposit and withdrawing the money myself. 

However, as my police report and FTC report indicate, I did not do this willingly. I was threatened with XXXX and cornered in a small space alone with a person I did not know.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2022-01-28
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I obtained a mortgage through National City Bank. I only put a small amount down so I was required to have private mortgage insurance. National City was acquired by PNC bank and I was consulted by mortgage loan officer XXXX XXXX of PNC ( XXXX ) and encouraged to refinance with more attractive terms which I did. In XXXX XXXX XXXX reached out to me again and explained that I had fulfilled the requirement with timely payments to no longer have PMI. I called the number given to request the PMI be removed ( XXXX ) and was informed that within 7-10 business days I would receive the information to have it removed by sending the request to PNC BANK XXXX XXXX XXXX XXXX, OH. XXXX Later, I received a letter stating that although I met the 80 % or less of my homes appraised value, neither the length of time nor my timely payment history would be cause for the PMI to be eliminated. Instead it would remain for the life of the mortgage. 

Please assist me in this matter as PNC is unjustified in maintaining this insurance as a profit making tool and not a defense to mitigate possible loss from default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had our XXXX mortgage loan taken over by Select Portfolio Servicing.

They are located in Utah. 
We have had substantial income loss from Covid, because my husband buys at estate sales and then re-sells on XXXX 
His business is still down by 40 %, because there have been no sales and also because of health concerns. 
At first SPS helped us by giving us a forbearance, then they deferred 6 payments, which tacked over {$19000.00} to our existing balloon payment, due in 17 years. 
That was great. 
We were able to pay our mortgage for the last few months, because of the help we received in the form of government stimulus money. 
My husbands business is still struggling, so we asked for Loan Modification help. 
After 3 months they have turned us down. 
This is because our loan is owned by investors and we have about {$300000.00} in equity. 
The only option listed for a modification, was a 40 year 3 % loan modification, which would have replace our current loan, raised our monthly payments and lengthened the loan term by 23 years. 
They did not offer us the standard loan modification that was given to us by XXXX before, which is the formula used by XXXX XXXX & XXXX XXXX 
We had expected that they would offer a modification that would start at 2 % and gradually tier up to 3 %, which is the current Mortgage rate. 
That would have helped us substantially for the next 17 years. 
We could have then either refinanced, or done a Reverse Mortgage. 
I do not know why investors are allowed to put making money over helping people in trouble. 
They sent us Short Sale Paperwork as well. 
If things get worse, we can sell the property ourselves. 
The whole point was to be able to stay in our home. 
My husband has taken on an extra job, which is going to be very hard on him. 
That is our only solution, besides selling and moving out of our home. 
I think these investor loans need to be pressured to help people in trouble if possible, by using the Government Modification guidelines. 
I do not know how they can be so heartless and get away with putting home owners in jeopardy. 
Your Bureau needs to address this problem, because I am sure that we are not the only ones going through this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: AL
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 asked the credit bureaus to do a thorough investigation of accounts on my credit report that have been reported inaccurately. I have not received any verification or the information that I ask for in which would allow them to provide and report the information they have listed. 

They sent correspondence back saying that those accounts have been verified. How were they accounts verified and the information is still being reported inaccurately. The accounts that have been continuously being reported inaccurately are listed below : XXXX XXXX XXXX # XXXX - Reporting Incorrectly In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 I read that it also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage whose principle is currently at 79.4 % of the original value of the property. I asked the lender to drop PMI but they originally told me that I had to be at 75 % LTV - after calling and getting passed around a XXXX times it seems as if they finally fixed it to reflect the proper % but they refuse to have a manager call me back or drop the PMI without using their appraiser which will be an unrefundable cost to us somewhere between $ XXXX no matter whether they decide to drop it or not. I have requested they tell me the amount I need to pay down on my loan instead of throwing money on an appraisal that is worthless as even if you look at XXXX the property has increased in value by $ XXXX since the original loan date. There is no good way to talk to a live person, they pass you around from uninformed person to another uninformed person and all I want is somebody to tell me what amount I need to pay towards my principle to drop the useless PMI fees. We have never been late and we always pay more than the minimum on our loan and just need to understand ( besides throwing money away for a useless appraisal ) what we need to pay to drop PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EdFinancial Services
State: UT
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:
ED FINANCIAL SERVICES LLC is in violation of 20 U.S.C. 1232g ; 34 CFR Part 99 and the Privacy Act of 1974. They shared information without my consent and it is damaging my consumer report and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 2022

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother. They do not legally own this debt and I do not either so remove because that means this account is not 100 % accurate on my credit report by consumer law my credit report is to be 100 % accurate at all times or Violation fees of {$1000.00} per violation can be served.

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