BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX. I obtained copies of my credit report, and noticed some inaccurate information. To this date XX/XX/XXXX. I have not received any investigation results, nor notifications regarding my disputes. Trans union and XXXX are constantly sending Stall letters, which is a blatant disregard of the law. I also submitted another set of letters on XX/XX/XXXX. It's been over 30 days with that, and still nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our loan is with XXXX XXXX Bank. We were on Covid impacted forebearance from XXXX 2021 through XX/XX/2021 for a total of 9 months. 
We were approved for the XXXX payment deferral at the end of our forebearance of 9 months. 
However, XXXX did not calculate the the XXXX XXXX XXXX accurately. On my monthly statements, the amount of the interest bearing XXXX is actually the XXXX XXXX. This means I now, per XXXX of PA, owe them the forebeared amount as well as the Gross XXXX so I am paying my suspended payments twice instead of once at the end of the loan. The amount of XXXX on the first statement after our foreberance ended is actually the forebeared XXXX plus the interest bearing XXXX. Furthermore, because the forebeared XXXX has been added to my interesting bearing XXXX, interest is accruing on the incorrect amount, and the amortization is not the way it should be and my excess to principal monthly from my monthly payments since XXXX XXXX through XXXX XXXX has been calculated incorrectly. 

I have attached my account activity from - - please see the calculations- and you will see the forebeared amount being added to XXXX and then subtracted again. On my statements, you will the XXXX is actually the gross XXXX and the forebeared amount a couple of lines below - reflected that I owe both. My unpaid principal balance when I went on forebearance was {$95000.00} ( attached XXXX 2021 statement ). XXXX ended XX/XX/2021. We were off forebearance and were approved for Covid payment deferral - I made our first payment after forebearance ( {$820.00} on XXXX ) and after principal was deducted from that payment, the XXXX is {$95000.00} - which is actually the Gross UPB of {$95000.00} ( not the XXXX XXXX XXXX ) minus principal from the XXXX payment of {$140.00} ( also attached ) At this point, I am not even sure that the escrow shortage amount I paid in XXXX 2021 ( XXXX ) and my forebeared amount are accurate and/or have been calculated and credited accurately. 
XXXX of PA needs to recalculate all of the amounts ( forebearance XXXX, Gross UPB, escrow shortage, escrow owed, what and how what I paid has been credited or applied ) provide me with the amortization to review amount of forebearance. There are many calculations, debits, and credits that don't make sense. 

I have attached the activity on my account and you can see the where they added a forebearance amount to the Gross UPB then subtracted it and determined that result to be the XXXX. A lot of the calculations don't make sense- so I am also concerned regarding calculations of all amounts. I would like to provided the amortization schedule and have all amounts reviewed with me as they are recalculated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My account with CHRYSLERCAP, account number is XXXX, should have no 30 days late on the month of XX/XX/2019 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to XXXX and XXXX Credit Bureau and Creditor were neglected. This should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXF 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

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I financed a vehicle with XXXX XXXX XXXX XXXX The vehicle was traded in. XXXX XXXX XXXX XXXX XXXX late payment on my credit which would not be possible because it was traded in and paid off. I later found out that XXXX & XXXX did not place a proper lien on the title when I initially purchased the car nor did they respond to the payoff request from the dealership, so the check had been issued but the bank didn't acknowledge the payoff, thus reporting in a late payment being reported to my credit 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 non-monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
*To begin, I would like to ensure you have and ONLY hold on to Current, TRUE, CORRECT, COMPLETE, and MANDATED recorded information According to FCRA regulations, any and all others that might be believed now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul for good and immediately any and all deviant of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious info be it indubitable or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.

( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT have ambition for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).

( b ) I do NOT have any needed OTHER addresses and I do NOT aspire for any OTHER ADDRESSES to be retained or reputed, if ANY efface from reporting NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( c ) I do NOT have any required OTHER SSNs and I do NOT yearn for any OTHER SSNs to be retained or supposed or elsewise revealed, if ANY eliminate NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s )..

( d ) I do NOT have any OTHER Dates of Birth and I do NOT have compliant-like salacity of or for any OTHER Dates of Birth to b e retained or divulged, if ANY blackout from reporting NOW or product PROOF of your legitimate AUTHORITY to sustain much less report without infringing my consumer right ( s ).

( e ) I do NOT have any telephone numbers and I do NOT desire any telephone numbers to be retained or rumored, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT desire any employers to be retained or communicated, if ANY obliterate from reporting NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). 
Page 1 of 7 ( g ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT long for any spouses/ roommates/ co-applicants to be retained or announced, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to much less report without infringing my consumer right ( 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 2022-06-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I two issues with us dept of education I filed bankruptcy in XXXX to only one bureaus Experian and when I was doing my paperwork last year for the forgiveness program I was informed I was in bankruptcy I challenge them and when I call them and ask why am I in bankruptcy still and my full discharge was in XX/XX/XXXX. The person on the phone said my bad we forgot to remove you so then they did the most unethical thing they deleted the Experian entry from XXXX and now is blank because they know they could not enter it twice so they reported my bankruptcy date as of XX/XX/XXXX this is wrong report and needs to be deleted this drop my point by XXXX points and I want them put back or we will be in court about my credit profile. 

I applied to go to XXXX XXXX that was in the XXXX XXXX they then change their name to XXXX XXXX I never went to the school because I found out I was XXXX  and could not attend. At that time was when paper checks were being issued they returned XXXX of the loan an never returned the rest no this has ballooned out of control I have been saying this for 25 years. Then come to find out this was predatory school and they are now closed when I ask for transcripts if I went there they could never produce them. How I found this out was went back to school in XXXX at XXXX XXXX I was granted full financial aid and then when the spring semester came about they told me I did not qualify for financial aid because I had a defaulted student loan from XXXX I ask them where this loan has been for all these years and I had a very common name XXXX XXXX Then I was XXXX XXXX my first husband I have applied for the forgiveness and it has been a year now no word. They have repeatedly sold this loan again and again and a lot of this is interest and lots of offsets. I disputed this with the Bureaus since last year

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had a Simple account for years. They switched to BBVA this weekend ( on a Saturday!! XX/XX/21 ) and it has been a disaster. I have called the numbers they tell me to call. I keep getting hung up on. I am locked out of my account. They originally didnt have any customer service hours on the weekend and added them when they realize what a problem they had. But you still cant get through and the call center is pretending not to hear you. I mean they might not actually hear me.. but I dont believe it.Errors galor. This is unacceptable. I dont even know if the username and password I picked are correct. No emails from the company explaining. I cant believe it. This should be illegal ( if it isnt! ). 
I have bills due Monday and I dont even know if I will be able to pay them becuase I dont know if my account is working.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan through Wells Fargo to purchase a new home. The builder, XXXX XXXX, advertised a {$5000.00} incentive if I used their preferred lender, so I applied through their preferred lender Wells Fargo. We were initially told that the loan was approved and this was relayed to the builder. Shortly thereafter we were then told it was denied so we asked for a formal letter of loan denial to include the reason for denial. We waited approximately 2 months and made at least XXXX separate requests to Wells Fargo for them to send the denial letter. Finally a manager, XXXX XXXX, had emailed me and said that the loan had been withdrawn due to the builder not accepting applications from investor buyers, which is a false statement. I have confirmed with the XXXX XXXX sales representatives that they do not have an investor buyer restriction at this development, and also at no time did we communicate to Wells Fargo that we wished the loan to be withdrawn. We continue to be told that we withdrew the loan by Wells Fargo 's loan officer, XXXX XXXX ; this is also a false statement. If we did withdrew, why would we ask for a declined letter and also why would XXXX XXXX 's replies to our requests always be that we should have received a decline letter already and that he will look into it? In addition, in XXXX XXXX 's email he stated that I withdrew the loan and he implies that because I have more than XXXX financed loans Wells Fargo can not finance this loan : in fact I have less than XXXX financed loans which they were made aware of from the beginning. 
Wells Fargo 's reason for denial continues to change and I feel that they have treated my application unfairly ; the loan amount was small and we have multiple investment properties from which we produce our income, and our application would have taken more time to process ; this I feel is the reason that they brushed our loan aside and made excuses because it was not worth their time. Whatever their reason they appear to me to they have disqualified my loan because it is not a prime loan for them regardless of the excellent credit I have, ample reserves, and low debt to income ratio. This is just a summary. I can elaborate with details if you like.

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 2022-02-13
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have already been issued a complaint number, XXXX XXXX. The details that you are asking for above have already been provided. I am attempting to add police reports and video evidence to my complaint. I am hoping that this document will allow me to provide this evidence as proof of the crime theft, and credit card fraud was committed against me.

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 2022-06-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Nelnet, Inc.
State: CA
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 have XXXX student loans with Firstmark Loan Servicing. XXXX loan is on automatic bill pay the other is not. The loan that is not on this service I do not receive statements for or any type of notification of payments due. I would have to log in to read any messages. No communication is sent by mail, phone, or email. Anyway, because of this coupled with some of my loans being under COVID forbearance I did not realize my loan payment was due and incurring monthly late charges and negative affecting my credit score. I paid my outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Bread Financial Holdings, Inc.
State: NJ
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:
While checking my personal credit report I noticed an inquiry made by COMENITY BANK/ XXXX XXXX XXXX 
I did not authorize anyone employed by this company to make an inquiry and view my credit report. I request that a copy of my signed auhtorization that gave them them the right to view my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation