BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX On Report The Name ( XXXX XXXX XXXX ) should be removed from report. Fraudulent Name Please Remove From Report In accordance with the Fair Credit Reporting act. 15 USC 1681 The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX  : Account XXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX  : Account XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX : Account XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX  : Account # XXXX The Following Inquiries I Dont Recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These Accounts Are Not Accurate And Have Been Reported Causing Me Many Issues. 

Please Correct And Investigate The Following Accounts Within The 15day Or Less Time Frame. 

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 Please Remove According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than 1000. 

Thanks

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 2023-10-09
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Huntington national bank credit card on XX/XX/2023 and got denied. I have the right to XXXX. Based on the Equal Credit Opportunity act denying access of my credit is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, 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 have sent and submitted request for verification of a bankruptcy on my credit report several times through mail and online and all 3 credit bureaus refused to send any verification or proof that explicitly shows this belongs to this XXXX XXXX, that shows the contract or my signature. They also respond with, it has been verified with nothing to proof or that shows verification of belonging to me. I have my right under section 609 to view and review any documents that show and proof that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
To : Ford Motor Credit Since Ford Motor Credit is the bank, I was approved for financing I would like Ford Credit to answer me and the Consumer Financial Protection Bureau what Ford Credit is agreeing with XXXX XXXX XXXX of XXXX with? That is on page three, as it states on page three under Federal Notices If appliable to transaction, to help the government fighXXXX XXXX  and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? 
Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, you may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment XXXX XXXXXXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? 
Second Point 9.5 % APR for a car loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? 
Third Point why did it take all day ( approximately 15 minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. 
Fourth point, on page one how did XXXX XXXX get my social security number? I did not give it to him. I do not carry my social security card in my pocket. I have not needed it in years and years. 
Fifth point, what does Ford Credit mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX of XXXX reported to Ford Credit that either customer and or dealership said something explicit verbally and I want to know what was said to Ford Credit by XXXX XXXX of XXXX in their last Consumer Financial Protection Bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I secured an assumable mortgage in XXXX. Wells Fargo was selected by the mortgagor to service that mortgage. In XXXX, I endeavored to assume that mortgage as an individual, rather than as a married couple, as part of a divorce agreement. Wells Fargo required that I have a Debt to Income Ratio DTI ) of no less than 43 %, As I didn't have sufficient income, I secured two separate non-occupying co-borrower to submit the assumption application along with me. Both times, the co-borrowers were rejected -- once in writing and once verbally, because no matter their income ( both had annual incomes in excess of {$250000.00} per year ), I still had to satisfy the DTI of 43 %. The income of the co-borrowers was not considered in either of the two applications I filed. As a result, I was left with no choice but to terminate the mortgage. 

I believe the CFPB should investigate the DTIs required by mortgage servicers, as they effectively make any older or retired worker incapable of taking advantage of an assumable loan that they'd secured at a previous time. As a result of the unreasonably high DTI and the servicers ' refusal to consider the income of a non-occupying co-borrower, the loans are no longer truly assumable. 

Under XXXX XXXX rules, had I sought to secure a refinanced mortgage, the non-occupying co-borrowers ' income would have been sufficient for me to meet the DTI requirement. However, as a loan assumption, apparently the mortgage servicer was not required to incorporate the non-occupying co-borrowers ' income, thus effectively negating the assumability of that mortgage.

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 2023-10-12
Company: MOHELA
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The FedLoan is reporting that I was 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. This matter is incorrect. In XXXX of 2019, I recently completed my income-driven payment plan. The information reported should not be on my credit report. This was also during a time of medical hardship, I was diagnosed with XXXX XXXX  and had to have major XXXX. I qualified for the Income-Driven payment plan, and I was told that my account would be backdated and updated to current. That also included my payment history to the credit bureau. As you can see in the attached document, the reporting makes no sense. It goes from current to 90 days late, etc. I request that this payment history be updated to reflect a current payment history. 

I tried to contact the creditor with no success. My loan has been sold to another loan servicer and my request was disregarded. I tried to explain to the new loan servicer that this reporting of my payment history was incorrect and asked for it to be updated to reflect that it was current. They stated that they were unable to update this payment history because the debt belonged to FedLoan at the time of reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX XXXX 
Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 5. The inquiry was not authorized XXXX XXXXXXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 7. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro XXXX credit reporting. I have evidence to prove my case PLEASE UPDATE MY ACCOUNTS TO PAID ON TIME & REMOVE ALL NEGATIVE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/23, I was contacted by XXXX at XXXX. The man on the phone identified himself as XXXX with Plaza Services. XXXX stated how just reached out to the XXXX XXXX XXXX XXXX ( my job ) in order to contact me about a matter in their offices. It should be noted that I have received text messages about a matter placed in an office from XXXX and to contact XXXX received these messages on my personal and work phone. XXXX went on to state that I had a debt with XXXX and it is in prelitigation and a judgement is pending and then he went on to offer payment options to resolve the debt. When I questioned XXXX about contacting my job over a personal debt and making threats over lawsuit is illegal, he made this statement " How's your credit because once this reports you want like it no more ''. XXXX went on to state that he knows I just brought a house and a car and that I need to pay my debts and that my credit will be ruined once he reports this debt. I informed XXXX I will contact the CFPB and asked he has legal right to collect in California and if he is bonded. XXXX than hung up on me. 

Plaza Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: GA
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:
*Identify Theft Report Attached* Listed in the attached report and below are fraudulent accounts that were opened fraudulently without my consent it is against consumer law to report fraudulent accounts Equifax fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Report XXXX XXXX Date Generated XX/XX/XXXX Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance {$2100.00} Terms - On record until XX/XX/XXXX Dispute hasn't been resolved with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I understand that you are asking for additional information. I also know the law allows you to ask for additional information to prove my identity. Well, I sent you all the documents that you requested in my first complaint. Why are you asking me to send this information again? Right now, I cant get approved for credit that Im seeking due to inaccurate items on my credit report. 

And when your company asks for more information even though I sent it, Im disappointed at the way your guys are handling my disputes. I have complied with your request by attaching the proof that you are requesting.

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 2023-10-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I noticed my bank account negative XXXX dollars I went to the bank and asked why and they said there was a XXXX dollar 3rd party check cashed on XX/XX/XXXX. I told the bank I did not cash any check and I made a police report the bank is saying that the signature looks like mine when it Cleary does not look like my signature. Wells Fargo is declining to pay me back my money

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 2023-01-13
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a condo in XXXX of XXXX using a VA loan. By the end of XXXX, the tax appraisal office had still not divided the lot into each individual unit. When my mortgage company received the parcel from the tax office they proceeded to hold me liable for the entirety of the property taxes of the lot even though the parcel received still had the builder listed as the owner and not myself. I was aware that the condo was still listed under the builder and contacted the tax office months in advance. They assured me that once my lender received the parcel with the builder 's information listed as the owner, they would not attempt to collect any of the taxes from me. As the end of XXXX approached I noticed that my payment in XXXX of XXXX was raised from {$2100.00} to {$7200.00}. I contacted my lender and was told that this is what the tax office had alerted them to do. My lender stated that the tax office had my name listed as the owner for the entire lot. I submitted the tax statement to my lender that is available to the public because it lists the builder as the owner and not myself, but I was told that this would not be accepted as proper supporting documentation and that on the XXXX of XXXX I would be automatically billed for the {$7200.00}. I immediately contacted my loan officer that helped me close and he sent me to voicemail, texted me he was busy, and then never returned my phone calls. I was forced to contact my bank to place a stop payment in effect. I spoke to my lender 's customer service center several times and was told repeatedly that there was nothing that could be done and that the only thing that would change this was if the tax appraisal office contacted them directly. Because it was so close to the new year, the tax office had closed early. When they opened after the new year I went in person and was told that there was no supporting documentation that they could provide as the tax statement that I had already submitted to my lender should have been enough. I contacted my lender 's customer service center again and was finally able to speak to a supervisor who informed me that they had in fact made the initial mistake by holding me liable when the parcel they received from the tax office clearly had the builder as the owner. Because of the error that they made, I have been billed {$7200.00} for the month of XXXX and XXXX of XXXX, which I can not afford. I am furious that I spoke to several representatives that explained to me that I was wrong and that nothing could be done and that my loan officer failed to ever make contact with me. It took days of communicating with my lender before a representative finally admitted fault. Attached below is the tax statement that was received by my lender, which clearly shows XXXX Lots as the responsible party and not myself. This is a gross error in which the blame was redirected toward myself several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Notice of Dispute I XXXX XXXX XXXX, am a Consumer as defined by law and have the Right to privacy and the right to Opt out of reporting information about my personal, family, and households private affairs. 
I am currently going through a private arbitration through the XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX. The account has been reported inaccurately and has never been Validated by the Oringinal Creditor, XXXX XXXX XXXX as defined in 15 USC 1602 definition of Creditor when using and open end credit plan ( XXXX XXXX ) the card issuer is the Original Creditor. Until my right to opt out has been presented along with a validation request, the reporting of this account is unauthorized and inaccurate, and must be deleted from my consumer reports. From the time of receipt of this notice, submitted through the CFPB, any further reporting of this account will be considered willful misconduct and willfully causing injury to a consumer for the financial gain of the Credit Reporting agency, with malicious intent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 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 2023-10-13
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Management LP, Diverified Adjustment and XXXXXXXX XXXX XXXX are attempting to collect debt that I dont owe to them. I sent a. Identity theft report and still no response. Ive asked to send me proof of debt like a signature or contract that I know they cant proof because I never did business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief