BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have sent letter to each credit bureau against my rights being provoked unlawfully and I have sent prior messages through you as well. The bureau 's have not responded and it has been past 30 days from initial complain XX/XX/XXXX. The following still stands. 


In accordance with the Fair Credit Reporting Act : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( acct # XXXX ) XXXX  ( acct # XXXX ), XXXX ( XXXX ), XXXX XXXX  ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( acct 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. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These fraudulent accounts and reporting methods. deemed illegal should be removed from my report this is illegal and the files should be removed from my credit report PER THE LAW STATES.

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 2022-04-16
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: Information is missing that should be on the report

Complaint:
After submitting my dispute requests, Transunion and XXXX did not investigate this account. ( XXXX  # XXXX ) appearing on my credit file. The account inaccurately reports multiple charge offs with absolutely no other payment history. 

The account has not been updated, corrected or deleted after several previous disputes.

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 2019-05-25
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:
We have an issue with deceptive practices that were used by Wells Fargo during the process of obtaining a HELOC ( home equity line of credit ). 

In XXXX of 2019 we applied for a HELOC through the Wells Fargo online banking site. 
We check our credit score regularly through a credit service that is provided by Wells Fargo. At the time of our application and throughout the loan process, the credit service had our credit rating FICO score at XXXX. 
After the application process was underway, we received a letter from Wells Fargo stating that a credit report had been obtained on XX/XX/XXXX from XXXX. This letter stated that our FICO score was XXXX. 

I contacted the Wells Fargo loan processing agent regarding the two different scores. The processing agent did not have an answer as to why there was a difference. She gave me the report processing number and instructed me to contact XXXX to inquire about the score and ask them why they had reported our FICO score as XXXX. 

The XXXX credit specialist informed me that XXXX  does not provide a FICO score, they only provide the lender with the credit report. So why the difference in scores? 
She then went on to explain, after further investigation, that Wells Fargo was using the older Beacon 5 analysis and not the Beacon 8 analysis and this was why there was a difference in the FICO numbers. 

My issue is that Wells Fargo is being deceptive. Wells Fargo provides the consumer a FICO score based on the Beacon 8 scale from the credit check services with XXXX, but uses the Beacon 5 scale and score when obtaining a loan. No where on their website or the disclosure documents does it state that the FICO score for the loan would be judged on a different credit scale.

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 2021-09-27
Company: Bridgecrest Acceptance Corporation
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with BRIDGECREST. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect 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 explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 did not ask to have alleged debt verified, or said debt. XXXX is reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that XXXX defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under XXXX XXXX civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. I hereby CONTEST THESE CLAIMS DUE TO THE ABSENCE OF SUBSTANTIAL FACTUAL EVIDENCE TO SUBSTANTIATE YOUR ALLEGATIONS. Therefore, I strongly urge you to promptly COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS WITHOUT DELAY. XXXX XXXX. Please remove this account ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: DISCOVER BANK
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is XXXX, XXXX here on behalf of XXXX XXXX XXXX applied for a Discover It Card for family and household purposes on XX/XX/2023 application number ending XXXX. I received a denial which caused me and my family great harm. Regardless of the reason for denial I have a right to CREDIT and denying me an extension of credit is discrimination pursuant to the EQUAL CREDIT OPPORTUNITY ACT, TRUTH IN LENDNG ACT, AND CONSUMER CREDIT PROTECTION ACT. Also withholding my securities is SECURITIES FRAUD. I sent a counteroffer to Discover certified mail XX/XX/2023 as i assumed the denial was an error. If this can't be rectified immediately I instruct Discover Bank to RETRACT my application, and place a stop payment on any XXXX 's as i have recieved no benefit nor preauthorized any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Servion, Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to file a complaint against my mortgagee, Servion , Inc . The banks processes appear to be designed to, at worst, create a series of steps which are difficult for its customers to meet to correct a an error caused by Servion, and at best, the mortgage company is grossly incompetent. In XX/XX/2022, I increased the amount of my insurance coverage for a property I own. Servion is the mortgagee and holds an escrow account. Servion failed to pay an increase from the insurance company for the increased insurance cost from my escrow account. This caused the insurance company to cancel my insurance. After communicating with Servion and the insurance company, I was able to get the mortgagee to pay the amount due so that my insurance was reinstated. Today, I received a letter from Servion stating that because I do not have insurance on this property, the company is going to obtain insurance on the property and send me a bill. The letter is completely incorrect. I do have insurance on the property, Servion has a record of payment being made from my escrow account and had significant involvement with getting my insurance reinstated. The letter provides an option for insurance verification, via a website. I visited the website this morning and attempted to upload photos of the letter from my insurance company demonstrating that I have coverage. the website only accepts PDF or TIFF files, it does not except photos or JPEG images. That means that a consumer can not take a photo of a letter and upload it to the site as proof or verification of insurance coverage. I was able to turn a photo into a PDF so that it complied with the sites requirements, but the website only accepts images that are less than XXXX MB in size, which is less than a standard phone camera photo size. There is no logical reason for the file size, limitation, or restricting the files excepted to only PDF or TIFF files. As a consumer, Servion has created numerous loopholes to jump through in this process, and it appears to be designed, and set up in a way, so that consumers will fail. 

In summary, Servion failed to pay my insurance bill, failed to recognize that my insurance had been reinstated when the company is the one that paid the bill, and created a process to prove I have insurance that is onerous, which would never have lapsed, but for Servions failure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ALLY BANK : Can not access my account ; my on line account blocked while I have all proper credentials. On XX/XX/2021 call bank to give instructions on what to do with my CD account when it matures. The person answering my call ( XXXX ) ask me for my old phone number no longer in service. and I could not recall it. I gave her my current and only cell phone number. She did not accept that and start asking questions beyond the usual ( social security number, age, dog name, mother 's maiden name ). Not satisfied with these, asking me many others which I think answered O.K. I now remembered my old phone number, told her what it was ; She said it is too late. Started asking about the color of a car a XXXX car, I told her I do not own a XXXX car. I got frustrated and said why not go directly on my line account which I have the proper credentials. I login but she blocked my account. I phone again another person answered, she ask me the 4 basic questions, satisfied with my identity, ask me what I want, I told her my account is blocked. She talk to somebody, came back and said I have to wait and a specialist will call me. I ask to speak to a supervisor, he told me I have to wait 2 days and there is nothing he can do. I called again on XX/XX/2021 and again on XX/XX/2021. 
Today XX/XX/2021, still waiting for the so called specialist to call.

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 2021-09-27
Company: CORELOGIC INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I do not authorize any company/ persons to report anything in my name. I do not give the consent for any of my information to be shared. I do not want any of my rental history, credit history, debt history, felony record and etc to be shared. No company/ persons have my consent. I want to opt out.

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 2022-10-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2022 hired a law firm to save my house. I roughly paid them {$9000.00}. When I started seeing my house was going into auction I called them up XX/XX/2022. They told me they checked into it and told me it was not. When I have been paying them every month and they assured me that while paying them that that amount goes to the mortgage company to get this loan modification done. XX/XX/2022 my house was auctioned off. I have till XX/XX/2022 to evacuate from the property. Now my family of XXXX is having issues of finding a place to rent and stay.

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 2021-09-27
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:
XXXX knowingly closed this account because they know it was fraudulent this is not my account and I contacted them numerous times about 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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

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 2019-10-08
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: Their investigation did not fix an error on your report

Complaint:
Experian is not properly looking at the information on my report and is not making XXXX XXXX XXXX  XXXX properly and correctly provide sufficient information. This negative reporting account XXXX is not my account but the XXXX is. Experian has not been helping when I requested a re-investigation they are not re-investigating they are only going by the outcome from 5 years ago and it is not fair. This information on my report is not correct and its affecting my report! 

I took out a loan with XXXX XXXXXXXX some years back on a car that I had already owned! A XXXX  XXXX XXXX which was {$5000.00}. The loan was paid in full and I received proof of payment and the title. The problem is XXXX XXXX is damaging my credit report with all three credit bureaus as if I took out two separate loans with them and I only had one EVER! One account is showing under account number XXXX and the other is showing under XXXX. They are reporting one correct in good standing no late payments, then the other they are reporting 120 days late WHICH NEVER happened this error is under account number XXXX. 

I have disputed this several times and XXXX XXXX XXXX XXXX is refusing to view their records to see their mistake to correct it, they are only seeing that I did have a loan and reporting it as accurate. I have reached out to XXXX XXXX by phone and certified mail to correct this. When I called I was informed by the rep with XXXX XXXX that my account was never 120 late, which I knew. She provided me with their reporting department address. I sent them certified letter with proof with no response! I even emailed and to the CEO and still no response!

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 2023-05-23
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : 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 2020-01-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/1999 with a credit limit of {$25000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Synchrony Bank Care Credit Card showed {$13000.00} on my available credit to use at the emergency veterinarian. I had a balance of around {$7000.00} and made a payment online through my online account with them of {$2500.00} taking the balance down to around {$5000.00} knowing we would have an upcoming charge for XXXX at the vet. During a chat session shortly before I made the online payment they told me payments are credited to my account within 48 hours. I saw that payment on my online account. So I thought things were fine. Then when the vet tried to charge the final XXXX bill for {$6300.00} the charge was denied by Synchrony Bank on my Care Credit Card. In checking with the company they told me it was denied because they put a 9-day hold on the {$2500.00} online payment I made even though this payment clearly showed up on my online account. This is a very deceptive trade practice to fail to disclose in a customers online account that a 9 day hold is being placed on a payment when the online shows the credit is available to use.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 
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