BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested 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 explanation
Consumer complaint received 2021-08-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My family and I are traveling on XXXX XXXX from the XXXX XXXX to California ( all day traveling ). While attempting to pay for my car rental reservation, we were surprised the company required an additional {$13.00} for the car. According to the rental company at the airport, they could only charge one card once. I called Wells Fargo requesting help so they will honor the additional {$13.00} for my family food and a bed to sleep on. The agent was adamant that because I have a secured card there was no way they could increase my limit for the transaction to go through. Despite me having plenty of money in my checking account and having this card opened for almost 10 years if not more. Seems to me that all wells Fargo cares about is making money instead of the well being of their customers. I cant imagine how difficult it would have been for them to allow a ONE TIME exception to help a stranded XXXX XXXX military family.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: VA
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:
There was a hard inquiry on my my credit report. XXXX XXXX XXXX inquired about my credit and I have not applied for credit. This occurred on or between XX/XX/XXXX and XX/XX/XXXX. 
XXXX credit card.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-12-05
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: Account status incorrect

Complaint:
I, XXXX XXXX XXXX XXXX the, natural person, Original Creditor, authorized representative for XXXX XXXX the natural person, am a Federally Protected Consumer, Principal and Authorized Representative for all accounts created by my autograph. I am a victim of many Severe forms of trafficking of a person. The information listed below, which appears on my credit report, is the result of that trafficking. 
__________________________________________________________________ ADVERSE ACCOUNTS TO BE BLOCKED BELOW Design Receivables Cedars XXXX XXXX XXXX Acct : XXXX XXXX -- - Design Receivables Cedars XXXX XXXX XXXX Acct : XXXX XXXX -- - XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX  XXXX XXXX _______________________________________________________. A Final Rule to amend Regulation V at 12 CFR 1022 to add a new subpart at 12 CFR 1022.142 has been issued.

Please BLOCK THIS ADVERSE INFORMATION from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. A Consumer Reporting agency must block adverse information within four business days of receiving the consumers submission 12 CFR 1022.142 ( e ) ( 1 )

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 2021-09-05
Company: Experian Information Solutions Inc.
State: IA
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:
To Whom It May Concern I have a hard inquiry on all three of my personal credit reports that was nor authorized by me and is clearly fraudulent. The company name is : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX. In my personal statement included in my credit report, it clearly states that I am a victim of identity theft and that I am to be contacted personally before any activity of any kind takes place including my personal credit being accessed. My credit report has been placed under a credit freeze for this exact reason. I never have done any business with this company of any kind. This is clearly fraud.

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 2016-09-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
PORTFOLIO RECOVERY AGRESSIVELY AND IN A THREATENING MANNER HAS COLLECTED FROM ME FOR THE XXXX ACCOUNTS THAT HAVE BEEN SETTLED IN FULL WITH THE ORIGINAL CREDITOR ... EVEN AFTER PAYING THEM AGAIN TO MAKE THIS GO AWAY THEY ARE STILL CALLING ME AND THREATENING TO ARREST AND TO GARNISH WAGES AND THEY ARE DENYING THE RECEIPT OF ANY PYMENTS.. WHERE DID MY MONEY GO? ..ISNT THIS ILLEGAL PLEASE MAKE THEM TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: TX
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 am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: PENTAGON FEDERAL CREDIT UNION
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Pen Fed Credit Union gaslighted my application process with claims that Ive got proof were not true. I tried working with them. This was personal or racist. Ive got notes. This appeared in cooperation with the appraiser, and they misinformed the VA about my appraisal and condition of my home. The VA then denied my application. These were made up. I did not get my benefit or a refinance. The CU delayed and delayed. I was passed around for answers and assigned new help. These people played very dumb. Its was 6 months and I then lost my locked in refinance. I did not have the issues these people will claim I had. It was claimed I had No Heater in Maine by the appraisal. I have XXXX XXXXXXXX XXXX with more than a 100 gallon tank. I had sent pictures. Other items. This couldnt be resolved so I was FORCED to give up that benefit. I am a 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 explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 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 2023-06-20
Company: EQUIFAX, 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 fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: LA
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:
PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CrossCountry Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
We listed our house for sale on the XXXX of XX/XX/2023 and received and offer on the XXXX of XX/XX/2023 for the amount of {$390000.00}. We cancelled our open house for that following weekend as we received this offer. 

The buyer received a pre-qualification letter from Cross Country Mortgage for the remaining amount of {$290000.00} after a 25 % down payment. Buyer was scheduled to close on our house on the XXXX of XX/XX/2023. 

Meanwhile we are going through all the home inspections, appraisals and repairs while the closing date approaches. 

On the night of the XXXX of XX/XX/2023, XXXX days before we were scheduled to close on our property we were notified by our real estate agent that the buyers lender had an " XXXX '' and didn't catch a discrepancy with the buyers debt to income ratio. 

This has left me and my family in a financial hardship because I now have to pay for XXXX mortgages as we lost XXXX days of showings and potential buyers, time lost due to scheduling home appraisals, inspections and repairs. In addition we had to wait another XXXX  days for a termination letter to relist our property. Now we are without a buyer and have at least another XXXX days with XXXX mortgages. 

Cross Country Mortgages failure to identify this discrepancy is unacceptable and very unprofessional. 

Attached is the pre-qualification letter for the buyer, an email from the loan Cross Country Mortgage stating she solely caused this issue and the manager for this unprofessional company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, 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:
I am writing to complain about all three credit bureaus - Equifax, XXXX  and XXXX.All three are reporting a bankruptcy on my reports that is not accurate. I have disputed thebankruptcy with XXXX and the courthouse. XXXX can not verify it and has deletedit. The three bureaus are terrible! They don't even respond to written disputes that aremailed certified. They just ignore us out here in Main St America. I have sent letter and theseare just the latest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Movement Mortgage LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was informed months before getting a mortgage that I would need to take care of some issues on my credit report to bring my scores up so that I can qualify for a mortgage. That was in XX/XX/XXXX. I did as I was asked. I received a call from my mortgage broker stating that my scores went up and I was ready to look for homes and get my mortgage. XXXX XXXX my mortgage broker got a realtor for me, and I found a home and was told that the underwriter would approve a loan faster if I get a single-family home instead of a manufactured home which I wanted. I did as I was advised by my realtor and mortgage broker. I found a home and the home appraised higher than was thought. The underwriters and mortgage broker had me give many documents and I did as I was asked. I was also asked to come up with a certain amount of money for closing costs. I did that. I was even asked if I had a 401k and I stated I did. I was informed in order for us to close on the loan I would need a certain amount of money and the seller will be paying some closing costs. I pulled the money from my 401k. We had 3 closing dates and each day of closing there was another excuse, but everything that was asked of me I provided. At the last potential closing date because we had asked for an extension from the seller and was granted the extension, I was told the loan did not go through because of student loans which happened to be untrue. When I called the mortgage broker on the fact that it was not true and sent the documentation. I was then told it was due to late payments on a paid off vehicle. I explained I was late in XXXX and it was paid off but why are they mentioning that now when the loan had already been approved at this time. I did not take out loans or made any big purchases which I was told that would be the only things to not let the loan go through at this time. I had already given my complex my move out date, cancelled my cruise because we were closing too close to my vacation, so I lost my money for my cruise because we did not close on time. And needless to say, after all of this I was told no home for me the loan is not going through. Goodbye. I sent messages regarding the information was not correct and that I can try to get my daughter to help me which she refused to put her name on the loan. I was then met with no more responses from the mortgage company or broker. I was truly mistreated, misrepresented, lied to and I feel maybe discriminated against. I lost money, my new home, and for the mortgage company using so many banks or underwriters, my score went down drastically. I have the proof of how many times they pulled my credit which were hard pulls, along with emails, mortgage documents, homeowners ' insurance, title, inspections, appraisals, and many more documents. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2021-06-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Over the last 4 years Equifax has allowed a property management company, XXXX XXXX XXXX to report inaccurate information to my credit file. I have disputed this information 8-10 times, along with documentation to provide proof of the account, which is being reported as a loan/bank loan account, now a Mortgage account. This is a property management company, where I was on a month-to-month lease. After resignation of my job ( XXXX XXXX XXXX XXXX they manipulated my payment ledger, and filed eviction for not payment of rent. It was granted in their favor, a judgement for {$1500.00}. Within a month they reported a loan account of {$5300.00} to my credit file. Under the XXXX XXXX Companys name, not the Apartment Complex for whom the judgement was given. Theyve charged me for no 30 day notice ( eviction filed ) breaking a lease contract, a reletting fee, bogus cleaning fees, and damages they refused to fix while living on property, for the company I worked for. I have been fighting this company for 4 years first with credit repair, To settle, Equifax, and now a bankruptcy because they refuse to report accurate information so that the debt be settled. I could not pay two separate debts, for the same company. It took 3 months to get them to discharge the debt by federal court order. I had to have my attorney contact them. They are to date reporting inaccurate information, in violation with the law including The Fair Credit Reporting Act, as well as my entitlement to a fresh start in bankruptcy. They have kept me from having a place to live, and have complicated my responsibilities at my job because of inaccurate information reported to my credit. I have contacted the civil department in the court where judgment was given, and was told that the company must send a letter of release to have the judgment disposed, because the debt has been discharged. I have been unable to get their cooperation. This is unfair. Life altering. Also a double Jeopardy issue. A judgment stands for their apartment complex, and what they have reported is a different amount as a loan, instead of a collection. They know when you apply for an Apartment, multiple mortgage accounts disqualifies you from renting. My first mortgage was a home lost in XXXX. They are reporting a second, and a judgement they refuse to release Although the federal court has discharged the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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 went to XX/XX/2021 with my childs mother as a cosigner. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was hesitating on the purchase my child 's mother is not forethcoming this was her pick. Supposedly Credit Accepatance supposedly picked up as the lenders. I put down {$6000.00} with {$800.00} a month. XXXX XXXX is only a cosigner and expected me to share my vehicle yet I pay. I stopped paying the truck the second month because XXXX XXXX was destroying it. I have been trying to contact this dealership since XXXX  they answer then play phone tag the tell me to call Credit Acceptance, then when I call credit Acceptance they refer me back to the dealership. This has been gooing on for two years ith the vehicle in my possession. I tried to give the vehicle back if they give me my {$6000.00} and my stolen check that was sent to them with two peole name on it yet I just found this out this week from Credit Acceptance. I tried calling repeatedly they will answer then put me on hold forever then come on and say call credit acceptance, they said the gave two months of money back because the vehicle could not get a title, so thats {$1600.00} ( XXXX XXXX stole the check and forged my signature ) XXXX XXXX has been the only one this car dealership talks with yet my name is first she is a cosigner. I believe the dealership is practicing bad behavior along with XXXX XXXX I tried to ask how I could buy the truck out 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