BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2021 I applied for a home equity loan at Atlantic Union Bank XXXX Virginia. Loan officer said I could borrow up to the 80 % of the appraised value of my house. I chose 50 % for a {$50000.00} loan approx. 

I submitted an official credit score document up to date 4 days prior, showing 803 " excellent '' in a green circle. This was accepted by the loan officer. I presumed this would be used.

She indicated there should be no problem. 4 days later I was informed that I can only borrow {$12000.00}. I was surprised as two other banks in the area XXXX XXXX XXXX and XXXX XXXX offered the full {$50000.00} where I don't have any money deposited like I do this Bank. 

I explained to the manager why the reasons they gave me did not make sense from a banking or common sense standpoint. I would not put my home up worth a XXXX XXXX for a {$10000.00} loan that I don't need. It was for a slush fund as I explained to the loan officer. 

The larger concern for me is my CREDIT SCORE. They informed me that they did a hard credit check to verify my credit score on the official document I submitted. It took me almost a year to get out of the 790s and to XXXX. One press of a button by Atlantic Union Bank took most of it away in an instant and back down into the 790s!

I was informed by two Atlantic Union Bank ladies that they do this to all there patrons. Three Atlantic Union ladies told me they agree with my common sense logic that this punishes their customers for not doing anything wrong. Following their rules to get a loan or to be considered for a loan does not reflect negatively on their financial management character. It's just applying for a loan. Why would you want to hurt somebody's credit. No answer The only people who benefit from lower scores unjustifiably are banks. They can charge you more to buy their money. Everybody else suffers, buyers, sellers, businesses the economy. Worse, this bank had an official verification of my credit score from a multi-billion-dollar bank right down the street. 

Had I known that they were only going to loan me a 10 % of the value of my house and that they were going to do a hard credit check doc my credit score 7 full points I would have never applied for the loan.

The person who approved the loan for such a small amount, I knew it would probably not be accepted and did the hard credit check anyway. And didn't think a thing about it.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: GA
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:
As I look out my credit report, I had found out that there are some account that need to be corrected on my credit file. The fact is, this account seems to be inaccurate as well as the accuracy. So in this way, I am complaining for you to investigate this issue. According to Fair Credit Reporting Act Section 605b, it was the responsibility of the XXXX credit bureaus to correct the accounts on someone's credit file. Kindly correct this account immediately : XXXX XXXX Balance : {$660.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity Theft. 
I demand you remove the following address and names : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The following accounts I demand to have removed XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX/ XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEMS , LLC ATTN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CO XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX Alleged Original Creditor Account Number : XXXX XXXX  XXXX Account Number : XX/XX/2022 Alleged Debt Amount or Balance : {$640.00} Dear JEFFERSON CAPITAL SYSTEMS , LLC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( XXXX ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( XXXX ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( XXXX ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Imagine struggling as a single father of XXXX, all the while owed thousands of dollars because of company 's negligence and non willingness to correct their errors. Imagine calling a company hundreds of times only to be ignored. Imagine feeling rage and hearing dark thoughts because the constant sadness caused continues to hinder the improvement of related circumstances and financial stability. In my XXXX  years this would be considered the most angering, neglectful, and disrespectful action I've personally ever experienced by a company especially a lender. On a statement as well my records indicate on XX/XX/XXXX I had accumulated {$10000.00} in my escrow balance. This balance is also not including, XXXX, XXXX, XXXX payments with monthly escrow payment of {$770.00}. Basically it seems they lost thousands of my dollars during one of their failed alleged servicing transfers. XXXX/DovenMuechle has made countless mistakes the entire time of servicing my loan. One of the main issues being how I was, and still being charged monthly for taxes at a XXXX rate though I proved many times the appraisal had been adjusted. I have countless complaints I want handled in a court but for now I just want the money they have stolen, causing the new servicer to also create a negative account. I have hundreds of inquiries, complaints, phone calls, federal complaints but no at these lenders is being held accountable for neglect. The company has sent me completely inaccurate information, has deleted sensitive and critical data, and refused to resolve these issues though several employees including management has claimed a mistake they made on their end. This all has taken place during the loss of my job due to the early stages of the pandemic. Those finances could have been used for the wellbeing of my family. I have every intention to take all of these circumstances to the court as soon as I'm financially possible. This is a severe violation of every lending law and my rights. This is called discrimination and predatory lending. This is very clear violation of the law. Statements will be attached. 

Escrow Balance : XXXX Statement XXXX Last Stmt ) - XXXX - {$10000.00} XX/XX/XXXX - {$11000.00} XX/XX/XXXX - $ XXXX Escrow Payout : Total - ( XXXX ) * XX/XX/XXXX - ( - {$2000.00} ) Insurance XX/XX/XXXX - ( - {$5700.00} ) County Taxes Owed to me ( {$5600.00} ) The problem is also for the unapplied payments for ( XXXX, XXXX, XXXX XXXX As of XX/XX/XXXX my servicer has been transferred to XXXX XXXX and XXXX was attached. 

As of XX/XX/XXXX XXXX has stated upon a call they sold my mortgage in a few short weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per XXXX FCRA XXXX Fair Credit Reporting Act laws says its either correct on all 3 bureaus or to be moved completely off the credit file. I have been dealing with this negative reporting from all 3 bureaus, XXXX  has followed guidelines and procedures in removing this negatively hurtle item from my report. I stand on faith and expect XXXX  and Equifax to honor that. If you feel that this information attached below on verifiable that account was removed from XXXX, shows date, creditor name, states it was removed. Please provide me copy of break down of charges, any interest, payments that were made, the amounts and the date payments were posted. All pages of signature contract or original pen ink and any other documents that has my name on them. Please fix this matter by removing this account from your credit bureau reporting system. I suggest that you get on this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: OH
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 sent several letters to XXXX, XXXX, and Equifax in regards to inaccurate reporting that I've noticed on my credit report and they have failed to meet the request of deleting the inaccurate information from my credit report. I need this account DELETED immediately from my report I do not who these are affecting my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity Theft. 
I demand you remove the following address and names : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The following accounts I demand to have removed XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX/ XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX Inquiries : XXXX XXXX CO XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: Experian Information Solutions 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:
This criminal activity has gone on for too long. The credit reporting agencies have ASSUMED a role in credit reporting but it was not given to them by me. My permission is needed. 

Stating that credit reporting agencies must report accurate information is not sufficient here because permission, by the consumer, must be given in order to report information about a consumer. 

I never gave this credit reporting agency or any third party written permission to furnish a report about my personal transactions and experiences. 

This credit reporting agency does not have a signed agreement between my self and their company stating that I gave permission for my information to be shared. 

If a company uses my identity without my permission that is considered IDENTITY THEFT. 

This credit reporting agency has committed identity theft by reporting my personal transactions and experiences without my permission. 

I have filed a police report and identity theft report with the FTC. 

Delete the following accounts from my consumer report since I never gave permission for them to be reported in the first place. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYSTEMS.

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached my identification documents for reference. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

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 2023-02-03
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage company wrote off my mortgage back in XXXX when we filed for bankruptcy and reduced the loan on their books but did nothing on my end. They also did another write-off around XXXX. I still make monthly payments but can not get the history online. I never knew how they applied my extra principal pay. The last time they reported my loan payments on my credit report was in XXXX. Now they are showing up on my credit report. My husband recently had XXXX so I'm behind on XXXX payments. They have destroyed our credit by XXXX points. I have made copies of what I am able to see, there are no statements or history available, only the last XXXX payments. If the mortgage was uncollectable back in XXXX and XXXX how can they now destroy and post to my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account number : XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account number : XXXX has viol

ated 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.

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