BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
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: Their investigation did not fix an error on your report

Complaint:
To Whom it May Concern, I am sure you are well aware of the legal actions taken against XXXX XXXX XXXX in regards to their poor financing and reporting practices. I have obtained a copy of the Final Consent of Judgement against XXXX from the State of Pennsylvania ( where I purchased this vehicle ) and have had it reviewed and provided a copy for your records. 
My prior car loan with XXXX XXXX XXXX XXXX ( XXXX ) was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 
Section 16 of the judgement states " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement and it is to be removed from my credit file immediately. I have submitted multiple disputes to the ALL 3 major credit bureaus ( XXXX, Transunion, and XXXX ) regarding removing this account from my credit report and each time it comes back as the information is validated as accurate, however that is 100 % incorrect as it should been removed because of this judgement.

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 2016-01-21
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is being serviced by Nationstar. Approximately nine months ago they ( Nationstar ) started to post my regular on time monthly mortgage payments as principle only. I had to contact them each and every time to repost the payments as a regular mortgage payment which they agreed to do. At the end of XXXX XXXX they sent me a notice that my monthly mortgage payment would increase by {$200.00} due to increases in real estate tax and insurance. I submitted a copy of the municipal real estate for XXXX to show them that the tax was an increase of {$54.00} for the whole year or less than {$5.00} per month. They refused to acknowledge their error and are demanding the additional {$200.00} per month stating a need for a more positive cash flow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/22 I applied online for a 2nd mortgage for an investment property loan with Wells Fargo Bank. A representative contacted me and indicated he would be sending me a pre-approval within the next few days. A few days later, he told me I could expect the pre-approval letter " by XXXX ''. In the meantime he requested I send bank statements, W2s, employment verification and a copy of my identification. I sent everything he requested. Once I verified he had received my documents, problems began. He stopped communicating unless I reached out to him. He told me several contradictory statements about the loan. He told me the loan was reviewed by the underwriter who needed 25 % down or a cosigner. When I agreed to that term he then told me the underwriter needed me to address a dispute Id made to my credit report. After I explained the dispute he then told me I needed to provide another bank statement. When I submitted another bank statement I also complained about how my loan request had been handled. Last week, as a denial, I received a letter stating Wells Fargo did not offer the loan package I had requested as the reason for the denial. The loan type listed was " conventional '' which Wells Fargo does in fact offer. I began sending courtesy copies of our emails to a bank manager who never contacted me. My credit score was within their parameters for the loan, I have steady long term employment and my debt to income is low. I believe I have been subjected to loan discrimination due to my race.

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 2023-11-17
Company: PNC Bank N.A.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a PNC credit card for years. It is set up for automatic payments. As far as I can remember, I have never missed a payment. today I tried to use the card, and it was declined. The card had not expired, according to the date on the card. I went to the website and saw nothing about the card being declined. I tried the chat rep ( XXXX XXXX ) and she said PNC had no record of a decline. Meanwhile, I noticed there were two accounts listed on the site, not the single account I was familar with it. One account was marked " closed '' but I never closed my account, nor did I apply for a new one. It appears PNC replaced my old card with a new one, for no evident reason. Worse, it appears they transferred the balance on the old card to the new card, which I never authorized. Worse still, they did not set up automatic payment on the new card, and it is now past due with finance charges. I never authorized this new card, nor did I receive notices or statements. It appears to me PNC is churning cards to force fake finance charges I was given no notice or warning of any of this, and XXXX XXXX could not or would not give me any information. She asked me to call ( XXXX ) XXXX. I tried that, but all I could get is a series of recorded advertisements. I tried to click through the ads, and the call was dropped.

Company response to consumer: In progress
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: AR
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:
It has been a dissappointment seeing my Credit File still indicated the disputed accounts reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information. I have also submitted CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, the Credit Bureaus have also been ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items corrected and fixed from my Credit File : XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$88.00} ; XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus are not able to find me any documents to support their claims that the disputed accounts have been verified, I would greatly appreciate it you correcting the disputed accounts as soon as possible.

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 2023-02-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Td bank locked my account for fraud but I had no acknowledgment to due to me loosing my wallet and phone and I made a report on it already but everytime I visit the branch they tell me wait to 2days and nothing happens but its going on 3weeks and when I try to get in contact with somebody they never answer or gives me a call back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: AZ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: CT
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:
My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX XXXX account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX a fraudulent wire transfer was sent from my checking account to XXXX XXXX in Florida ( a telephone scam ). 
For three weeks I was told by Citibank that if the money was not returned by XXXX a claim would be filed by Citibank under consumer protection rights for a fraudulent wire transfer. 
On XXXX XXXX I was told the complete opposite. 
I had signed an affidavit on XX/XX/2021 attesting to a fraudulent wire transfer. 
On the XXXX Citibank informed me because I allowed banking information to be given to the scammers there was no consumer protection right involved. 
I did not realize I was being scammed, when I did I contacted Citibank immediately and went to the police precinct ( all immediately after I hung up on the scammer ). 
I was misled by Citibank and even though I contacted them immediately there was no attempt to contact the other bank for at least 2 weeks.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Credit Bureaus claimed that the accounts were verified, but it is obvious that everything is electronic and therefore they never talk to anyone to do a " reasonable investigation '' as required by law I actually disputed some of the accounts directly to some of the creditors and they never responded to my request for investigation, just refuse to validate the debt they claim I owe as requested by the FDCPA., yet the bureaus turn around and tell me that these accounts have been verified by the creditor. I would appreciate it much if you remove the items I will be listing below

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 2023-05-08
Company: Experian Information Solutions Inc.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Contact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

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 2022-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a Chase Sapphire Reserve member for years. In XXXX my credit card number was stolen and used to make XXXX fraudulent purchases- XXXX from XXXX and another from XXXX. The thief had the items shipped to my home and was watching to steal the items off our porch. Fortunately we were home at the time and the items were not taken. I contacted Chase in XXXX, reported the fraud, and was issued a new card. Chase put a credit on my account. Then a month later they called and told me they investigated, the charges weren't fraud, and I would be charged for the items. I called multiple times and could not get a resolution. Finally I contacted the merchants who helped me return the items. Even though the items have been returned more than 45 days ago Chase will not refund my more than {$2000.00} and the merchants will not issue a refund because Chase is holding the charge backs. They have all of the documentation including images of the confirmed return shipping and yet that continue to fraudulently hold more than {$2000.00} of my money for months with no resolution. Every time I call Chase they just direct me to the merchant who says they can't do anything until Chase releases the funds. If I was using Chase 's credit they would be charging me 25 % + APR for this. Not to mention that I pay {$490.00} per year for the privilege of having this card...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Im trying to fix tax property value.

XXXX XXXX did Escrow analysis based on 2 Tax Parcel Id instead one.

Because that I have a shortage of aprox {$1000.00} ...

I did a request and they did not answer ... I called and they said it will not make too much difference and then I should live with that.

I told them I dont want, I want my escrow reviewed and then they said the tax bill department is on pto till XX/XX/2020 ... .but they are requesting the shortage amount on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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:
My name is XXXX 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 inquiries. 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 explanation
Consumer complaint received 2023-02-21
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX CARD XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Paid off my Sears Card last XX/XX/2021. Continuous autopay payments came out of my checking account the XXXX of each month following. Last week I spoke with my bank and they researched, and stated the payments were made in error. ( these have been disputed ) When I spoke with a foreign person with Sears they stated they could not close the account I paid off unless I gave them my social security number by phone. I refused. I continue to receive calls from someone I believe is posing as Sears, trying to collect a debt. When I followed up with Sears weeks prior I was told they too could see I have a XXXX balance and the payments from my checking are not from them. 

I am getting harassed by someone texting and calling me now on a daily basis. They do not always leave a voice mail. XXXX is the number they call from. 

Please advise, 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 explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the Items as soon as possible.

Company response to consumer: Closed with explanation