BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 XXXX XXXX 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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I previously disputed this public record with TransUnion, I dont recognize this public record. Please send me PROOF FROM THE COURT OF THIS PUBLIC RECORD, I DONT AGREE WITH THE RESULTS OF YOUR INVESTIGATION. PLEASE MAIL ME PROOF OF YOUR INVESTIGATION AND VERIFICATION OF THIS RECORD FROM THE COURT, OR DELETE THIS PUBLIC RECORD. TO DATE TRANSUNION HAS FAILED TO DO SO, TRANSUNION IS IN VIOLATION OF 15 U.S. CODE 1681 s- 2 ( b ) I have provided proof from the court that TransUnion failed to investigate the following account : Account Name : XXXX BANKRUPTCY/ Docket Number : XXXX. IN FACT THE DOCKET NUMBER TRANSUNION PROVIDED IS INVALID XXXX DOES NOT EXIST.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have filed repeated complaints directly with XXXX XXXX about this issue listed in complaint number XXXX ... You closed it stating " take this up with XXXX XXXX XXXX XXXX '' Well this agency just refers me directly back to Fannie Mae and they continue to state the same thing which is ... BECAUSE I HAVE DEFERRED DUE TO COVID I AM STUCK WITH MY CURRENT LENDER AS XXXX XXXX REQUIRES THE FIRST UNPAID BALANCE PAIN IN FULL PRIOR TO BEING ABLE OFF THE SECOND UNPAID BALANCE! This means because I have a second balance of {$1900.00} there is NOW WAY to refi my house! Wells Fargo will not allow me to pay this amt directly XXXX I have even tried and they took all funds and applied to the primary balance ). I need CONSUMER FINANCE PROTECTION as someone has to step in and tell these companies you are penalizing the consumer and treating a measly {$1900.00} as a second mortgage ( and even it treated as a second mortgage I would have the opportunity to pay on this amt prior to paying off the $ XXXX I owe on primary balance! 

THIS IS INSANE!!!! PLEASE HELP!!!!

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: National Credit Adjusters, LLC
State: TX
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 requested National Credit Adjusters validate the debt. I was sent a promissory note and billing statement. The promissory note did not contain my signature and the billing statement is from the original creditor XXXX XXXX. I do not have an account with National Credit Adjusters which is why they can not provide an accounting ledger with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: AMA Advisors, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a HomeStyle Renovation Loan with Homebridge Financial Services on XX/XX/2020. There were two major red flags that occurred leading up to the closing, one of which was resolved after I complained. The 2nd one was discovered on the day of closing and I am still fighting with executive management level to get it resolved but no success as of yet. 

1 ) About a week prior to my closing, I received disclosure documents that had inflated fees built into my reno costs. The lender added a {$2000.00} " Rehab Fee '' that was never mentioned when I did my initial inquiry before starting the loan process. After complaining and escalating to the branch manager, XXXX XXXX, this was removed prior to closing. 

2 ) On the day of closing, I saw my amortization schedule for the first time. My XXXX begins at 137 % vs. being under 100 % as you would typically expect. This increases the length of time to reach automatic PMI cancellation at 78 % XXXX. This is a loan for a total of XXXX ( purchase price of XXXX and renovation costs of XXXX = XXXX ). The XXXX from appraisal company was $ XXXX. 

I know that the banks will use lesser of the XXXX values for XXXX but Homebridge used purchase price only. That is how they got the 137 % and get me hooked for PMI for longer than I need to. I disagreed and brought it with XXXX XXXX, who then forwarded my concern to the Renovations Manager, XXXX XXXX, who confirmed that 137 % XXXX is incorrect and that is due to a " glitch '' in their " encompass '' program. He confirmed that my XXXX should be 94.05 % to start based on a value of XXXX. 

So agreed with XXXX 's rationale as that was my argument to begin with. All I asked for was to get revised amortization schedule with the corrected LTVs showing the starting point at 94 %, not 137 %, as that would reduce the number of years to reach 78 % for PMI cancellation. 

I have escalated my email to highest of executives in the company including XXXX XXXX and XXXX XXXX for the past few weeks but no corrected amortization schedule to date. Please help me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX 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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be updated or corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get adjusted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-27
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 my phone was hacked into and a unauthorized transaction of XXXX $ was transferred from my credit builder to my checking account and then sent to someone I do not know and have never heard of before. As soon as that transaction took my hard earned money from me and my XXXX kids, I contacted my bank and filed a dispute. They claimed to have not found any errors and refuse to refund me XXXX XXXX I requested a rebuttal to reopen my case and they instantly replied and still refused to refund my XXXX XXXX My rent and car note payments are coming up, my kids are only XXXX, XXXX, and XXXX and I cant provide for them due to my funds being taken from me. Please help me and my family get my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Sentry Recovery and Collections, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SENTRY RECOVERY AND COLLECTION is trying to collect a debt I do not owe from a company that no longer exists. I have called them three times asking for debt verification to be sent to me and each time they reinitiated my request so they could claim they had the full 30 days to complete my request. They could not provide the original creditor contact information. I know they do not have it. It has been three months since asking them to verify a debt I know I do not owe. The agents are also verbally abusive and joke about my credit report and housing search.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wish that you are doing well as I write this. I'm writing to let you know of an issue with my account 's reporting of late payments. I found that there are late payment entries on my account that have lowered my credit score after looking over my most recent credit report. 

I understand the importance of accurate reporting, and I am committed to maintaining a positive credit history. However, I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following details : XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct or remove this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

After carefully examining my financial records, I have found that these late payments are either inaccurately reported or were submitted in error. I kindly request that you review my account and, if appropriate, remove the mentioned late payments from my account history.

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 2021-03-15
Company: CREDIT ACCEPTANCE CORPORATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Used Venmo as a form of accepting payment and was not able to deposit Venmo balance into my XXXX XXXXXXXX XXXX account even after providing the requested documents to confirm my identity.Transaction was on XX/XX/2022 for the amount of {$2500.00} and since then Venmo has frozen my account and denied access to my funds. My user name for this account is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I made a mobile deposit for {$45.00}. I got an email confirmation that the mobile check deposit has been received from Citibank. I keep an XXXX spreadsheet of my bank balances with all the despots and withdrawals every day and a I saw that the balance on the account was enough to cover all the checks and ATM withdrawals for the day. 

The next day, on XX/XX/XXXX, however, I saw that my account was overdrawn and my mobile check deposit was still showing as pending. The mobile check deposit didn't post on time unlike what the e-mail confirmation said. Due to this reason I was charged a fee of {$34.00}, however this brought my account to a negative balance. I called the bank to get this fee reversed and they were able to credit my account. 

The next day, on XX/XX/XXXX, I was charged a second overdraft fee of {$34.00} because my account was overdrawn the day before with a negative balance. Then the next day, on XX/XX/XXXX, I got charged another overdraft fee of {$34.00} for being overdrawn the day before. The mobile check deposit that DID NOT get posted on time and get reflected on time triggered my account to become overdrawn, and because I was charged an overdraft fee it made my account to become overdrawn again and again. 

I believe this is a bank error and Citibank did not notify me the accurate balance on the account from XX/XX/XXXX. It started with the mobile check that did not post when it showed that it did. Their app was having technical difficulties on that day and it didn't get properly credited to my account. Had I known that I didn't have enough money to cover the checks then I wouldn't have withdrew money from the ATM each night to bring my balance down to negative. Instead, I would've deposited more money in the account.

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 monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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 Accounts that are reporting inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of fraud. A scam likely number called my phone informing me that I was approved for a loan and proceeded to get my information under false pretenses.The opened fraudulent accounts for XXXX XXXX, XXXX, and XXXX using a fraudulent address which I have never lived at. I have made numerous attempts to contact the company. XXXX XXXX, XXXX, and XXXX have not been able to verify the information according to the law and XXXX, XXXX, and transunion have not deleted the unverified and fraudulent accounts off of my credit report. A fair resolution would be to have these fraudulent accounts deleted off my credit report permanently.

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