BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2023-07-17
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a formal notice to the consumer financial protection bureau requesting that Bridecrest provides an explanation of how I can exercise the nondisclosure option of sharing nonpublic personal information with a nonaffiliated third party

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: PR
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:
In accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. The XXXX and EQUIFAX Credit bureaus only sent me a letter stating that the account was verified with no attached documents or evidence from the original creditor reffering to this investigation. This XXXX XXXX XXXX is a closed account. It was paid in full and all the payments were on time. In stead of correcting it in my personal credit profile they keep reporting it with a bad remark as delinquent. I personally sent proof letter to the credit bureaus with all the information that they requested me to provide. But i personally believe that no one take the proper care for a good solution. Even do it is a closed account still affecting me the ability to moving foward with my life. I have been discriminated or im been ignore from my complaints. Because once i submit the complaint to the CFBP to verify the information they automatically delete the information to comply with the complaint. But as soon as you closed the investigation it automatically appears back to my credit report. Please take a deep look into my personal credit report to see what im stating here is the completly thruth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I originally took out an auto loan with Navy Federal for a XXXX XXXX XXXX, they took over the tile from the original lienholder, XXXX and Navy refinanced my loan. Approximately XX/XX/XXXX, I was in an accident with the vehicle and it was totalled. My insurance company, XXXX, paid to Navy Federal 70 % of what the vehicle was worth. The remainder balance was reduced through GAP insurance which I had with Navy. The remaining amount of the loan was approximately {$3000.00}. I took out another loan to get a new car because I have to work. I am making a payment of {$570.00} as a monthly car note, my insurance also went up exponentially because my insurance increased my premium due to the accident and because I moved. I applied to refinance the remaining {$3000.00} with Navy and they denied refinancing my loan. They put my loan in default and a delinquent status, which will impair my credit because they denied refinancing my loan and require me to make the regular payment of {$570.00} as I did prior to totalling my car. This put me in a position to make two full car payments with over {$1000.00} per month going out of my paycheck to car loan payments. I can not afford that. I also rent, furniture bill, electric bills and other bills and I can not afford to pay {$1000.00} to car payments. I informed Navy Federal of this and they still denied refinancing my car loan to get my car payments cheaper. I think this it is unscrupulous and unethical for Navy to put me in a position in which I am unable to make the payments and unreasonably denying my refinancing of the remainder of my previous car loan. This puts me in a position to get bad credit through no fault of my own. I am not unwilling to make the payment, I just can't afford {$570.00} per month and I have informed Navy of this fact. Navy is being unreasonable in denying refinancing of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MD
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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$120.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance XXXX {$390.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX  of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2019-07-24
Company: ALLY FINANCIAL 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:
On XX/XX/XXXX I sent a letter to Ally Financial to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Ally Financial to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: PA
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'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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo needs to be more honest when dealing with customers. I have been dealing and fighting with Wells Fargo for a month. The lady in the executive office on XX/XX/2019 told me in a recorded phone call that my secured card was still open. I called XXXX XXXX today and she agreed that I was right but failed to put that in the letter addressed to me and to this agency. She and Wells Fargo need to come clean and tell the truth no matter how it looks legally. It should not take over a week to close an account and if a closed request was done on the XXXX as they claim, why did the lady tell me days later that it was still open and why did she state that the two closure request did not take and the account was still open. Why did I have to find out on the XX/XX/XXXX that the account was closed? Why would they send out a replacement card on a closed account? Why would I make {$460.00} payment on a closed account? Why did it take so long and so many phone calls my me to get my secured card money back? Why did they not already decide to do training with the lady that told me that they card was open? Why should I force this as a demand from them? Who is reading the letters that Wells Fargo sends out to customers for accuracy and honesty? Wells Fargo needs to listen to the entire call and not just portions of the call like XXXX XXXX claimed she did? How can XXXX T even right a letter without listening to the entire call. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: IN
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:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - First call to Chase Bank regarding a {$1700.00} deduction from my checking account. The payment breakdown states 'escrow '. I am now overdraft with no additional money for groceries or child care. I call Customer Service. Customer service explains that Chase paid my escrow account in XX/XX/XXXX. I explained that I paid my XX/XX/XXXX taxes in XX/XX/XXXX and there was no reason for them to pay and there was no communication to me that they were going to pay it. Chase had just purchased my mortgage from XXXX XXXXXXXX XXXX XXXX. I stated that I would like my {$1700.00} back. They stated I needed to speak with someone in the tax department. 

XX/XX/XXXX - I call Chase Bank XXXX department. I inform them they overpaid taxes on my property and they needed to ask for a refund from the county tax department and also refund the {$1700.00} they took from my bank account. I also asked them to close any escrow account associated with my name and mortgage. Chase stated they can not refund the money until they get the refund back from the county tax collector. I reiterated that it was their mistake and I'm essentially paying for their mistake. They said someone would call me back. 

XX/XX/XXXX - XX/XX/XXXX - no communication. 

XX/XX/XXXX, XXXX Chase Bank calls to check in on me from a local branch. I explain the situation, that I have been out {$1700.00} and have been waiting for someone to call me back. The lady on the phone explains that she had no idea and there is no record of any conversation on my account. She puts me in touch with the tax department and we have the same conversation regarding the over payment to the County Tax Collector by Chase. They say, I will get my money back once Chase gets a refund from the county tax collector in XXXX days. I explain, that I am paying for Chase 's mistake and I would like my money back, I have already been short {$1700.00} for XXXX days and I'm going to have to wait another XXXX days before I get my money back- they said to call customer service. 

Extremely frustrated that a bank the size of Chase can go ahead an basically take ( steal ) money out of my account without any communication or notification. They made a mistake and I'm paying for it. I'm looking for someone to assist as Chase doesn't seem to care the hardship I have been under this past month without money for necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Better Mortgage, Inc.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a pre approval with better.com at the recommendation of nerdwallet saying they were one of the better mortgage companies. I instantly received a pre approval of just over {$160000.00}. I spoke with a representative and she told me everything looked good on my account so I proceeded with finding a home. I got my purchase agreement and uploaded it like instructed, Went through all the steps and then had a 30 minute conversation with another representative who told me everything looked great, I had good rates and so on so forth. He then did one final step of running my information through an underwriting program and told me I was rejected. He tried to find other things he could do and found none and could not tell me over the phone why it was rejecting me just that the underwriting system said no and if it said no, the underwriter would say no. I later received an email with the reasons after reaching out to 2 other financial services to try and solve my situation -- I now have a purchase agreement and no loan due to things on my credit score I had no idea were there/were issues. If my credit had been checked properly I would not be in this situation. This has caused me to feel humiliated, I need to provide {$1000.00} in earnest money I'm not sure I will get back and I feel has hurt my reputation. I would not go get a home if I had not been preapproved in the first place. I don't feel like this is a fair practice for first time homebuyers. The second representative told me he has to deny people like me multiple times a day which leads me to believe others are also being fed this false hope of getting their home and then having that immediately pulled from under them. I didn't even want to get out of bed the next day I was so humiliated and felt extremely helpless. I just agreed to buy a home because this company assured me I would be able to afford it with my preapproval and now have no way to actually purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I started to appeal to this bank at least two months ago, if not more in regard to the impending interest that would be expiring in 18 months from the date of purchase and that would be this month, in XX/XX/XXXX. They outright denied my requests. I just signed into my account and to my absolute shock and horror I seen that my min payment had gone from {$67.00} per month to {$320.00}! I didn't even understand how this was possible and looking further into my statement activity online I seen I was just assessed XXXX in interest this month. XXXX?? 
I knew i would be assessed interest but i thought it was somewhere in the realm of $ XXXX {$1500.00} which is still not ideal but of course not at all what this is. 
There is no way I can afford this. Are they kidding me? I appealed to them to work with me and they would not. I am not going to jeopardize paying my housing expenses, which includes my rent and basic bills to survive in order to pay {$320.00} per month in a min payment. There is just no way possibly we can do it. I contacted them online tonight. I told them if they do not do something to lower this to less than half of this amount, then I guess I will be forced to go into settlement. It is not something I wanted to do but they are leaving me no choice. I am in a hardship. My car was involved in a hit and run accident last month which of course I can prove. My insurance company denied my claim and I have to pay to have the car repaired as it is a lease. This is setting us back considerably as we have to take money from a very modest 401K, exhausting it in order to pay for the repairs as we don't have it. I am on SS XXXX with one other income in the house. Period. This is not affordable.

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 2019-05-27
Company: EQUIFAX, INC.
State: HI
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:
There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief