BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2006, I owned an acre of land with the legal description ( XXXX   XXXX XXXX XXXX ) and on this acre of land, there were 3 mobile homes, 1 belonged to me and it was financed through, XXXX XXXX, the other 2 mobiles belonged to other individuals. I approached Wells Fargo to refinance my mobile with the mailing address of XXXX XXXX XXXX. Wells Fargo sent an appraiser out to appraise my home and he took pictures that clearly show other mobiles on my land, and when Wells Fargo made me the loan, they insisted that my mobile be changed from personal property to real property and that the acre of land be financed into my loan and they had knowledge of these other mobiles on my acre of land, but they never questioned me about those mobiles or questioned the ownership of those mobiles in their loan process. Wells Fargo made me the loan and they processed all the documents with XXXX County Courts, and they placed a lien against my land and mobile, with the legal description as, XXXX XXXX XXXX XXXX. Now Wells Fargo has responded to my previous complaint, says that their appraisal was done on XXXX XXXX XXXX, XXXX XXXX, Texas and no consideration was placed on my acre of land to process this loan, even though their on documents shown the legal description as XXXX XXXX. If I default on this loan what happens to the people who own the other 2 mobiles on my property? I feel that this was an improper or predatory loan and now I have tried to refinance my loan with other mortgage lenders they refuse to consider making a loan to me, because there are multiple mobiles on my land, therefore I am locked into this loan with an extremely high interest rate for ever and I feel that Wells Fargo made this loan knowing that I would be locked into it and no no other options to refinance in the future.The high interest rate on this loan has caused me serious financial stress and emotional stress over the last 13 years and Wells Fargo refuses to do anything to help me in these matters, they are allowed to do a self investigation of all my complaints and as you would expect from any large corporation, their responses are always, that they did nothing wrong and that I signed the loan documents, so therefor it was my fault and not theirs, even though I am a high school drop out with no legal knowledge and their are the ones who had all the knowledge of the lending laws and they had ever opportunity to survey my property and they could have denied my request for this loan and I would not be in this mess today.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I XXXX XXXX am disputing this on my own without any third parties. Transunion is in violations of the Fair credit reporting act see attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the account referenced XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting the date last active was XX/XX/XXXX when this is incorrect. The XXXX is critical when dealing with the statute of limitations and I believe your company knows this and that is why you illegally updated the date last active. I dispute your claim and I am requesting that this is removed from my credit report. This account is also over 7 years old and should have been removed on XX/XX/XXXX which is another violation. Stop reporting this information on my credit report for many FCRA violations. XXXX has since removed this account, Experian and XXXX need to follow suit.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I recently reviewed my TransUnion consumer report and discovered XXXX XXXX has opened up an account in my name fraudulently without my authorization violating my rights under the FCRA 15 usc 1681, a federal statute that governs the accuracy, fairness and privacy of consumer credit information and outlines the requirements of consumer reporting agencies and the procedures for investigating and correcting inaccurate information in which have been violated per 15 usc 1681b ( a ) 2, 15 usc 1681 s-2. I have not initiated any transaction with XXXX XXXX XXXX This account on my consumer file is damaging my reputation and character and causing harm to my financial standing. Unless they can provide proof of a signed contract between me and XXXX, XXXX I demand deletion of this account immediately. XXXX, XXXX has knowingly transferred, possessed, or used, without lawful authority, a means of identification of me which is against the law. As a federally protected consumer I have a right to privacy and my consumer rights have been violated.

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 2021-03-25
Company: GLA Collection Company, Inc.
State: KY
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 I checked my credit report, I noticed some of inaccuracy with the late payments and this is completely an FCDA false reporting Violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was told by Penny Mac supervisor that they are not showing a late payment for my previous account. However, when I checked my credit report its showing my account was late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
An application was submitted for a mortgage modification with XXXX. For the past three months the account has been under review for mortgage assistance. Though there was a point of contact assigned to the case, XXXX XXXX, I did not hear from him until the complaint was filed with the XXXX. Prior to that time, I was calling and leaving voice messages but there was no response from him. I was also leaving messages in the account portal. There was never any clear or concise information about the loan ; just told it was under review. Just a complete runaround experience! Then the application was allegedly denied but then I was told that information was incorrect and that the application was still under review. During this time, my credit was being adversely affected. When I initially inquired about this, I was told that it was at the lenders ' discretion to report the late payments- which didn't make much sense since I was obviously in dire need of mortgage assistance. However, after speaking with the Loss Mitigation Department, I was advised that the adverse reporting would be reversed once the application was approved. It has now been approved and in light of this unsatisfactory application process that prompted a XXXX  complaint, I am requesting for the negative reporting to be removed from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been a victim of Identity Theft since XXXX. Accounts were open using my personal information in various states. I have been in constant contact with the Fraud Departments at Chase Bank, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX concerning fraudulent accounts at each. Chase Bank actually investigated. They discovered it was fraud. They told me in writing that everything has been deleted and I no longer am responsible for the debt. However the debt amount has not been removed and still shows that I owe. My business on XXXX is suffering because I can not qualify or take advantage of certain perks of having a business on XXXX because they use Chase products. And Chase did not follow completely through with removing the debt despite writing me and telling me so. I intend to file a lawsuit against Chase Bank. 
XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX have all been uncooperative and silent. Despite me providing both with documents and police reports they are attempting to victimize the victim. 

15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be fumished on my consumer report as they are in VIOLATION Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN GENE Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. WHEN NO CONSENT IS GIVEN THIS IS CALLED IDENTITY THEFT. As a consumer and victim I am demanding the deletion of any and all information pertaining to the fraudulent accounts opened at Chase Bank, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX and XXXX be deleted MMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending letters disputing these fraudulent accounts in my report, but I did not receive any results. The bureau does not give me any response as well. I do not know if what actions do they take but I believe they do nothing.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending letters disputing these fraudulent accounts in my report, but I did not receive any results. The bureau does not give me any response as well. I do not know if what actions do they take but I believe they do nothing.

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 2018-08-15
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I am Submitting this complaint with the CFPB due to Equifax NOT being in compliance with the law of the FCRA section 609 ( a ) ( 1 ) (  A ). you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On XX/XX/XXXX I sent a dispute letter to Equifax on XX/XX/XXXX, I received a letter back of dispute results stating that the company  that reported the information certified to Equifax that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with Equifax doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 XXXX XXXX and I am filing this complaint for 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 2018-08-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is not communicating fully about the loan amount they're not reviewing documents or responding back after review documents over the phone and emails I've provided also ones that were carbon copy to them as well as myself the original subsidized and unsubsidized copies from data base online showing over payment. I've asked for copies of returned checks which the XXXX XXXX 's XXXX XXXX nor Navient could provide but state that the amount disbursement was one amount one document were documents provided earlier by NSLDS with different amount. So I'm contacting your company to help me address these issues. That they are ignoring. I've been told I would be contacted I have copies of emails where appointments were set and not held. With XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Avant credit card was 60 days late due to a my medical issue. On XX/XX/2023 I finally was able to catch up and could only make a {$50.00} payment on a payment plan online. I did so. Then on XX/XX/XXXX  I made a {$300.00} payment. My Avant card was then all caught up and all done on line. 

My account, as of XX/XX/2023, was locked and I called Customer Service and was told that my account would come off hold in a day or so. 

On XX/XX/2023 I received a credit alert. Looking at my reports, Avant closed my account. In calling them that same day, and spending over 1 hour on the phone, and speaking with a Customer Service Rep and a Payments Dept Rep, I was told it was closed due to a Payment Plan. That an email was sent to me XX/XX/2023!! 

I assured the reps that NO WHERE, on their website did it state my account would be closed. And now my credit report reflects the account closed. 

In speaking further with the Payment Rep, she too stated my account was closed due the payment plan. She then went on to say I CALLED IN to make this payment plan! I only have a cell phone and can prove I never made any such call!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Miscommunication with due dates payment owed and payment amounts. Adding on hundreds more in payments and fees after making payments.

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