BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: U.S. BANCORP
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Vehicle loan was paid off XX/XX/2021 by check delivered via overnight carrier, together with a letter detailing where to send title and lien release. Nothing was received. Did some research and discovered Florida is an electronic title state, so it made sense that nothing was received in the mail. Planned to sell car in XX/XX/2021 and discovered lien was never released. Have spoken with 3 different US Bank employees, each of which acknowledged the loan is paid off. One said I would receive a paper lien release after 3-5 business days, one said the lien release was being researched, and one said she would talk to some people and get back to me, which she has not done. I have called her and she has not returned my call. 3 weeks have passed since my first phone call to US Bank regarding this matter.

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 2020-10-14
Company: EQUIFAX, 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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. IT HAS YET TO BE SETTLED. I SENT MULTIPLE DISPUTES INCLUDING FACTUAL DISPUTE. 

INTIAL DISPUTE : XX/XX/2020 30 DAY DEMAND : XX/XX/2020 FACTUAL DISPUTE : XX/XX/2020 FACTUAL DISPUTE XXXX : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my 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 2021-10-20
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
I opened a credit card account with CITI Bank on XX/XX/2021 but had never received the card in the mail. I later spoke to a representative to have a new card sent out only to find that my account had been closed against my explicit instructions to just send me a new card. Now my credit score has been negatively impacted by 23 points as a result.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA 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 2022-12-22
Company: Affirm 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: Information belongs to someone else

Complaint:
XXXX : Dear Sir or Madam/To Whom It May Concern, On XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In XXXX  your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in XXXX ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within XXXX XXXX or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called XXXX XXXX XXXX. Please update XXXX XXXX XXXX XXXXXXXX we brought current so please update this asap. We updated XXXX XXXX XXXX XXXX with a loan modification/settlement. Please correct my credit report by law you must report correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied with Wells Fargo to refinance our exiting mortgage with them on XX/XX/2020. All of the required documentation has been submitted. Since application, our appraisal and credit report have expired. In addition, our rate lock has expired. 

Wells has offered little to no explanation as to the delay. Our loan officer escalated our complaint but we still are receiving very little information. we would expect the loan to take 45-60 days to close in our situation - existing customer, financing 1/2 of the property value with no cash out, excellent credit. Since the loan has taken longer, we've paid Wells Fargo an additional $ XXXX/month in interest ( income to them ). It seems they are not inclined to get this loan closed in any reasonable amount of time. 

I also expressed my displeasure of them having to pull another credit report since that will affect our credit score. They seemed unconcerned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
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: Information belongs to someone else

Complaint:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$720.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: Experian Information Solutions 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:
On XX/XX/XXXX and XX/XX/XXXX I filed a proper dispute about XXXX XXXX XXXX with Experian with account number XXXX and contacted XXXX XXXX XXXX with a dispute with request for Validation on this unknown account. I sent certified mail to XXXX XXXX XXXX twice on XX/XX/XXXX and XX/XX/XXXX to VALIDATE which they never response to this unknown account. XXXX properly investigated and deleted off my credit report on XX/XX/XXXX. Experian refusal to properly investigate or properly mark this account as in dispute as is in  violation FCRA and FACTA. I included a copy of this unknown account being deleted off my XXXX   credit report and a copy certified mail to XXXX XXXX XXXX. Experian concluded that the monthly payment and balance is accurate and verified when I did dispute. Clearly its incorrect because a auto car loan can not have a monthly payment of {$0.00}. They verified that the balance of {$15000.00} is accurate. They also verified that I pay {$8000.00} on this account on XX/XX/XXXX. So if I paid {$8000.00} on this account why is the balance is {$15000.00} when Experian verified that {$20000.00} was written off? Which under FCRA is inaccurate and must be DELETED because the balance and monthly payment is is reporting inaccurately. FCRA states to put on a Consumer report everything must be 100 % accurate and correct!!!

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 2023-07-11
Company: Experian Information Solutions Inc.
State: OK
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 reporting agencies are reporting inaccurate information

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 2023-03-22
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we contacted PNC Bank regarding a payoff on our mortgage. We were told XX/XX/10 days. I was on the phone with them for 2 and a half hours and finally they hung up on me or they said we were disconnected. We just need a payoff. My attorney has called 2 times and the new mortgage company has called so many times we don ; t know what to do anymore. The longer we wait the higher the interest rate is going to be. We need some help.We went into the branch bank near us and met 2 really nice girls who went out of there way to help us out and when they called the main branch in Ohio, they were put on hold and transferred around so many times they hung up and they work with PNC Bank. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: VA
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:
Disputed item from XXXX XXXX, last year and was removed from my credit report. The account was not mine. Disputed again, somehow it showed up on my credit report again, also asked for a Method of Verification and was ignored. I have no knowledge of this account. I had no Hospital visits in past  years. This is not my account. I have contacted original creditor they can't prove it was my account. This account was disputed last year, and removed from my credit report. Showed up again. Under law the credit bureau is supposed to verify the account before it going on my credit report.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 requested the credit bureaus to verify the information given on each credit card that was being reported on my credit report, they were not able to verify it but is still showing on my credit report.

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 2023-07-11
Company: PNC Bank N.A.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX a ach payment for XXXX was made from my account from XXXX XXXX XXXX XXXX and payment was sent to Pnc bank.PNC bank states that they don't have payment, however XXXX XXXX XXXX otherwise. I asked Pnc could I submit my bank statements they said no, I contacted XXXX XXXX  and that is what they are stating they would do. This is the XXXX time I've had problems with pnc bank taking money from my account and stating they haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: AmeriHome Mortgage Company, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerihome Mortgage The amount I am being charged for property taxes is XXXX per year, when the actual property tax amount is around XXXX. This is a new loan that was originated in XX/XX/XXXX. I have requested an escrow analysis to be done, and I was told multiple times that it WAS done, but now Amerihome is saying they have one scheduled for XX/XX/XXXX and will not complete one before that, even though I have provided them with the XXXX tax bill for the property that shows the actual amount. I have called multiple times, and keep getting a different answer each time I call. If it was a few hundred dollars, I would not be concerned, but this is a major overage of approximately XXXX per year. 

I can provide more details if needed. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: TX
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. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

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 records of convictions of crimes which antedates the report by more than seven years

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 2023-03-28
Company: Acra Intermediate Holdings, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Acra Lending has created issues with the closing of my residence XXXX XXXX XXXX XXXX XXXX Fl XXXX since I first started working with them to purchase the home. They first did not abide by closing date and changed terms a few days before closing, knowing I had {$80000.00} in deposit that I would lose. The loan XXXX and terms and points changed before effective date. This left me with very little cash on hand for the construction on the home, based on the draw requests work must be paid for and completed before draws take place to obtain funds to pay for repairs/remodeling. They held funds multiple times due to inspection delays and due to the work not being completed according to their guidelines causing several delays in the construction process. Once all draws permitted ( 8 ) which they were not flexible extending were completed the home was listed for sale on XX/XX/XXXX. The loan maturity date is XX/XX/XXXX. The home did not sell and I lowered the price three times due to pressures from the lender on repayment. I asked for Acra Lending to provide an extension and they denied it, based on the note default rate would be 20 %. I asked to extend with points and fees and received threats of primitive foreclosure and harassment from the company. I had a contract on the home at the time that I shared when I requested extension and sent this to them and they still threatened with foreclosure. I had to refinance with another lender for just 45 days from my maturity to loan closing date and paid {$98000.00} in total fees. Their lack of transparency and willingness to work with the consumer cost me hundreds of thousands and almost put me out of a place to live and my entire life savings. This company is taking advantage of personal information provided on sales contracts to coerce buyers into higher rate and terms, and attempting to foreclose companies/clients that have not even missed a payment with the purpose of taking their asset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Navient Solutions, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
A XXXX XXXX from Pioneer Recovery Services ( XXXX ) has called at least XXXX co-workers -- on their cell phones -- which is in direct violation of the Fair Credit 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 2022-03-11
Company: EQUIFAX, INC.
State: UT
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My XXXX XXXX Credit cards are not populating on my XXXX  credit report. I have collection items that are paid but are still showing on my report.

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