BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the underwriting around XX/XX/XXXX we were informed that the builder could not pay our closing cost because we owned the land the house would be built on. I was told that if we didnt own the land out right that the builder was allowed to pay the closing. Furthermore the bank has a lean on our land. When I inquired I was only allowed to speak to the branch manager they would not allow me to talk to anybody higher. I was told they would communicate it up and get back with me. As of today XX/XX/XXXX one body has given me an explanation. We had to pay a full years insurance, buy three surveys which the last one was only a copy of the first house survey with a driveway and different date. I have inquired an explanation on this as well at the same time. Still no explanation or response. The North Carolina State Employees Credit Union seems to have a short chain of command. I am disgusted that a state funded organization doesnt allow a member to address issues higher than the branch manager.. 

Copy of email from underwriting : The construction Loan Underwriter sent me whats below. Basically, they are requesting that the surveyor revise the foundation survey to reflect the completed home and indicate the driveway along with the survey stamped, dated and signed. 

I paid for the same survey twice ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
inquires are from car dealers. They where only supposed to run 1 report with a finiical bank not 13, 37 these should go off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-15
Company: AC AutoPay LLC, Denver, CO Branch
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I applied for a vehicle loan on XXXX.com where it estimated my rate based on credit score to be 4 % through a company called AutoPay. I completed the application and shortly afterwards got a text message saying my application was approved. I replied to the message asking what my rate would be, they replied with 2.44 % for 37-63 months or 2.04 % for 0-36 months. I agreed to these terms and decided to proceed at 48 months at 2.44 %. I later received a message from the representative stating that they were responding with the wrong numbers, wasn't sure if my application would be approved, and if so the rate would be nearly 4 times higher. I asked that a supervisor reach out to me. I received a call from a supervisor who stated they were giving me someone else 's rates and they would not honor the numbers quoted. I asked if this was the case to close my application and remove the inquiry from my credit report at which time they stated that wasn't possible.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; DPT EDXXXX XXXX Balance Owed XXXX {$0.00} ; DPT ED/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed XXXX {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: IL
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. XXXX Account Has Violated My Rights. ( XXXX ) XXXX XXXX {$1000.00} acount # XXXX. ( XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  acct # XXXX {$910.00}. ( XXXX ) XXXX XXXX  acct # XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-22
Company: Chime Financial Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I located a rental listing for a house for rent in XXXX. I contacted the person who listed the house, and was in continuous communication with said person over the course of a XXXX discussing rental fees, deposits and rent. I sent an application fee of {$50.00} via XXXX on XX/XX/XXXX, along with my credit scores. Upon learning I was approved to rent this property, I was asked to sign a lease and to send {$500.00} via XXXX, and {$500.00} via Chime Bank in app Pay Anyone feature, totaling {$1000.00}. I sent the signed lease and deposit and was told the keys to the property would be sent via XXXX once XXXX XXXX rent was paid. On XX/XX/XXXX, I sent the XXXX XXXX XXXX rent via Chime Bank in app Pay Anyone feature totaling {$1000.00}. After sending the money, I was made aware that the person I was in contact with was not the owner of the property, and the property was under contract for sale and not for rent. I tried to contact the person I was emailing with, and all accounts associated with said person were XXXX, and I was unable to get my money back. I then spoke with a colleague, who advised that the XXXX XXXX '' who drafted the lease, was not in fact a XXXX XXXX XXXX XXXX. I contacted my bank, who advised that there was nothing they could do as I technically sent the money to the correct user.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

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: EQUIFAX, INC.
State: PA
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 XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company has placed over 4 different accounts on my credit report that are causing extensive damage to my credit report but have yet to send proper documentation to show these accounts rightfully belong to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-31
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I need to File a complaint on Wells Fargo On Sunday Night XX/XX/XXXX at a XXXX  gas station with My visa Debt card the Transaction was approved So today I received a email from wells fargo saying that I have a {$35.00} Overdraft fee. I feel that Wells fargo is completely wrong for doing this The funds were in my account during the transaction But they wanted a few days to charge me. I spoke with the rep at wells fargo she claims that it's is up to the merchant to collect the payment that is complete XXXX on behalf of wells fargo. they took the money out of my account at the time of the transaction because it was approved Wells fargo I want you to remove that XXXX over draft fee asap ... this is a complete rip off of your bank!

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2019-06-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland funding file a lawsuit for a debt that was not mine. They failed to properly notify me of a court hearing. The Judge entered a judgment in their favor for default. The only paper I received was only a paper that read left on fence with the judgement entered. The server put 2012 as the year of declaration under penalty. When I received the default judgement via reg mail, I asked to speak with the Judge about this incident and the court clerk told me that there was nothing I could do because a decision was already made. Now this company entered a levy on my bank account for XXXX the judgement that I have reads XXXX. They also made harassing calls to my family members about going to jail if this was not paid. 
Date of court hearing was XXXX XXXX Date of Levy was XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$300.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: Fay Servicing, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I was contacted by Fay Mortgage Company stating that my mortgage was behind and there was a demand on my note. The mortgage was previously owned by XXXX XXXX. When I took the time to research my account I noticed that I had few errors were made on the account and I then brought my account current in XX/XX/XXXX. 
On XX/XX/XXXX, I received a notice that my mortgage was in default. I contacted Fay and I was informed that I noticed there was an payment was reversed twice and my account was debited on the same day the payment was reversed. I was told that this is because my previous mortgage ( XXXX XXXX ) informed XXXX that a payment was returned in XXXX which was over six months ago. This is very hard for me to understand that a bank would reach out to my new mortgage company after six months stating that there is an error. When notes are sold they are typically audited before being sold and now I'm told my note is in default again. According to my records I have a payment that is due for the month of XXXX and XXXX. And recently made a payment on XX/XX/XXXX that was debited from my checking account. I also had prepared an auto debit with Fay for my next payment at the end of XXXX month which is no longer showing on my account. I've asked Fay to take the time to review the 12 months of bank statement, along with my payments and a spreadsheet to use to for them to cross reference. I have placed a check mark next to each debit with the date the payment was withdrawn from the account. This company has made several changes to my account with no communication at all. I have attempted to communicate with them in XXXX to bring my account current and they were unhelpful. At that time I attempted to contacted my work out manager and never received a call back or email back. All of this information has been documented on a spreadsheet with email communication that can be sent in a PDF format. I feel that is wrong and other people may not speak up to ask for help as this company may be intimidating them with poor communication and demand letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX 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 2021-08-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax has not addressed my dispute thats attached

Company response to consumer: Closed with explanation