BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I refinanced and during the process a silent XXXX mortgage was added to my mortgage without my knowledge..for yrs I was getting a payoff letter of XXXX amount but when I went to refinance last year I found out about the silent XXXX and was unable to refinance. I would have never agreed to this if would have known what was going on. Devastating ... this was never brought to light during my refinance process. And when I recently tried to refinance they were not helpful in resolving this. I'm not 100 % sure this is an XXXX be conventional..not sure.

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 2019-06-18
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
Navy Federal is reporting a credit card account that I was an authorized user on. I removed myself from the account. However the account is showing on my credit report as a closed account reporting negative payment history and the account was terminated. 

I was no longer on the account as an authorized user once the account when negative. Also as an authorized user I am not financially obligated for the balance of this credit card. Therefor the account should not be able to cause harm to my personal credit file in the way that it has. 

On the grounds of the Fair Credit Reporting Act- If the creditor is reporting any inaccurate and incomplete information, the account must be removed. The account list as Responsibility : Terminated and Remarks : Account closed by consumer one account can not have both status. Either the account was closed by the consumer or terminated by the Financial institution. 

Please not there is not an account number provided on report. 

NAVY FEDERAL CR UN Last reported XX/XX/XXXX Reported balance : {$0.00} Credit limit : {$24000.00} You're using 0 % of your account 's limit OVERVIEW Credit limit : {$24000.00} Minimum monthly payment : {$0.00} Opened : XX/XX/XXXX ( 2 yrs, 7 mos ) PAYMENT HISTORY You've made 79 % of payments on time J F M A M J J A S O N D XXXX green_status XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status red_status red_status red_status XXXX green_status green_status Current red_status : Not current Last payment : XX/XX/XXXX Payment status : Current Amount past due : {$0.00} Worst payment status : 90-119 Days Late ACCOUNT DETAILS : Account status : Closed Type : Credit card Responsibility : Terminated Remarks : Account closed by consumer Times 30/60/90 days late : 1/1/1 Closed : XX/XX/XXXX 2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter from Bank XXXX XXXX dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with XXXX, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, XXXX of Identity Theft, report number XXXX and with the Federal Trade XXXX XXXX FTC XXXX XXXX No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX XXXX, XXXX. 

I filed a complaint with CFPB against XXXX XXXX XXXX, XXXX  speratley.

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 2023-07-24
Company: EQUIFAX, INC.
State: IN
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: Alliance One, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving calls from this company for weeks now. Most time I ignore it but today I'm sitting with my wife and kids watching tv and decided enough was enough. I've been in contact with XXXX  card services and have set up a payment plan thru their own website. I have been in contact with XXXX. I attempted to explain my situation and the fact that I have already made an agreement thru XXXX  and the did not listen. As I was explaining myself the guy on the phone just spoke over top of me. He was extremely rude. So I asked for a supervisor. I was immediately placed on hold and just waited a few minutes before I hung up and called them back. I then asked again for a supervisor was placed on a brief hold until a women answered claiming to be the shift supervisor. She proceeded to talk over me as I once again tried to explain myself. Then I asked to speak with her boss and she gave me some run around. Then proceeded to ask me for more personal info before she could give me her boss 's contact info. It was a giant run around. I told them numerous times over numerous calls to stop calling me. I will provide a screenshot of my agreement with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: FL
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 tried to fix mxy credit report with the credit bureaus but they don't do the properly investigation about my case. They don't want to eliminate accounts that I already paid, inquieries that I didn't authorized, and others.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.

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 2020-04-07
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Sovereign Lending Group, Incorporated
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I looked at XXXX ads online in early XXXX to find the best rates to refinance my mortgage. I was contacted by several mortgage companies including XXXX XXXX from Sovereign Lending group who sent me a written guarantee they would beat any other quote or send me a check for {$1000.00} for rate quotes on the same day. I received a quote from XXXX on XX/XX/2020 which I will attach for 3.625 %. I also sent them a better quote also on the XXXX of XXXX for 3.375 % from XXXX XXXX and it went to XXXX XXXX another agent at Sovereign. XXXX didn't respond on the same day but sent a quote the next morning that was still higher than my quote from XXXX XXXX. I politely asked that since they were unable to beat the XXXX XXXX quote that they forward the promised check which they use as an advertising tool. They have refused to send a check and do not answer emails and calls regarding this. I sent two emails to their support site asking for a manager and explained what happened but they do not respond. I was continuing to get contacted by numerous agents asking to provide loan quotes from Sovereign. Each time I explained I was going with a different firm and that they didn't honor their promise. Finally one of them connected me to a manager XXXX XXXX at XXXX who I thought might finally take care of it. But after two conversations he has not returned my last 6 phone calls. I find this whole process to be deceitful, with false advertising and totally unprofessional from all those I have been in touch with asking them to honor their certificate of {$1000.00}. I was hoping they would have the best rate but they didn't .I just ask that they do the right thing. It's not hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry.

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This account is paid in full. It is not charged off, and needs to reflect this. They contacted my employer and served papers at my employment. I called prior and told them i would pay off the loan and did just that. 

They were told not to contact my employer but did anyway. They sent mail after mail and had someone actually show up and act like I was a bad person saying I was late on my bills. 

Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: NV
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:
For XXXX XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies 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
Consumer complaint received 2021-05-26
Company: Chrysalis Holdings LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the early part of XX/XX/2021, I sought to refinance my VA loan to take advantage of the equity in my home. Due to hearing ads on the radio, seeing them on television and the internet, and because of the constant barrage of mailings I receive at home, I decided to give NewDay USA the opportunity. I filled out the form online, and was contacted by an XXXX XXXX to begin the process. For nearly a month, I ensured all of the documentation I needed was obtained, the termite inspection was completed, and everything else required of me was done to satisfy the needs of the lender in order to move forward with the refinance. 

I was contacted by XXXX within the first week of XX/XX/2021 to ask about a loan modification that I recently made to my current mortgage. I explained to him that because of the COVID pandemic, and the uncertainty that so many of us felt, I took advantage of a forbearance program offered to me by my current lender, XXXX XXXX. I detailed how the uncertainty of sustained employment and being able to meet my financial obligations led me to participate in the program, and due to the legal Avenue available to me, I was granted two three-month reprieves in making my mortgage payment. At the end of that six month period, I was to participate in a trial loan modification ( which lasted three months XXXX, and at the end, resume a new mortgage with a modified payment. I met all of the requirements and was NOT delinquent in my mortgage payments, as the COVID relief legislation mandated/authorized, and my credit score was not adversely affected. 

However, because of this participation in the loan forbearance and the loan modification, I was denied credit, despite the countless assurances from XXXX that things were going smoothly and that closing would happen sometime in the middle or near the end of XX/XX/2021. 

Fast forward to today, XXXX XX/XX/2021, when I received in the mail a letter from NewDay Financial with the heading Notice of Action Taken and Statement of Reason ( s ), Statement of Credit Denial, Termination or Change stating that I was denied credit because of one checked box : Delinquent past or present obligations with others. 

This denial reason is a fabricated and blatant XXXX as I met all of the legal requirements authorized for me to use and WAS NOT delinquent in my mortgage or any other debtor/creditor through out the COVID pandemic. I find this type of lying, deceit, and downright dishonesty despicable, and NewDay should be held accountable for their false and fictitious XXXXXXXX

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 2022-11-04
Company: PNC Bank N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've filed a dispute with PNC Bank credit card company where XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Where I am housed at the XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen a account from PNC Bank that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my XXXX prison Identification ID from the XXXX XXXX XXXX XXXX which is a legally issued state ID with my Social security card. Which could've all been verified by the Department of corrections had this company did a proper investigation into this matter. Where they sent me a response on XX/XX/XXXX stating that they needed more information to conducted an investigation. state : the account was opened on XXXX, XXXX At that time we were provided with name address and other identifying information. First of all I would agree to disagree and for these reasons if I have been incarcerated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report on XXXX, i noticed there is an inquiry from Comenity Bank/ XXXX XXXX which i have no clue. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : Comenity Bank / XXXX XXXX Date : XXXX, XXXX, 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Method Of Verication Dear Transunion, RE : I am requesting the Method of Verication for the following item : Bankruptcy XXXX XXXX XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a DISPUTE! Again I AM NOT DISPUTING THIS ITEM! This is rather a request for a Method of Verication where the following items should be provided to ensure the validity of the item ( s ). Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they veried the dispute with 4. The documentation used to verify the dispute I am anticipating a timely response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report to prevent further damage. 

Thank you, 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