BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
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: Account information incorrect

Complaint:
I paid the XXXX XXXX account off they are reporting it on my credit report as charged off and have delinquent payments on it have asked them to please provide me the information they never have gotten with all three credit bureaur just to find out that they will not delete this from my credit report the address is wrong also on this account they have an address I never lived at please have them delete this today here 's a copy of an old credit report that shows that I only owe {$30.00} in XX/XX/2020 and then it was paid off in XX/XX/2020 here 's another copy of the credit report how can they put that it was charged off

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 2023-05-10
Company: EQUIFAX, INC.
State: TN
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My student loan was transferred from XXXX XXXX to the XXXX Department of Education XXXX My loans were only shown on my credit report with Great lakes as XXXX accounts. Now XXXX XXXX XXXX XXXX XXXX XXXX every single disbursement I had for school totaling XXXX new accounts on my credit report. I was in the middle of purchasing a home and now can no longer buy a house due to their incorrect reporting to all the credit reports. XXXX XXXX told me my loans were consolidated and now here come XXXX saying they arent consolidated. Why are they showing XXXX new accounts on my credit report doesn't even seem realistic! They have ruined my dream of buying and home and have destroyed my life. I have to seek therapy due to their inaccurate and lieing to the credit bureaus. I am now suffering anxiety and panic attacks due to XXXX XXXX XXXX XXXX and now have to seek medical attention. They have DESTROYED MY LIFE! NOW I WILL JUST HAVE TO BUY A TENT AND LIVE WITH THE OTHER HOMELESS PEOPLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX  Account # XXXX, XXXX {$3500.00} Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  {$2500.00} Account # XXXX, XXXX {$2800.00} Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX & XXXX Account # XXXX, have 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 non-monetary relief
Consumer complaint received 2020-07-09
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Nationwide Credit , INC has sent out several confusing letters attempting to collect a dent for XXXX XXXX in the amount of {$9600.00} but I never gave written consent or authorization to this company to have my personal and private information. Nationwide Credit , Inc is a debt collector but XXXX XXXX is still actively contacting me regarding the same debt. Due to this situation my credit reputation has been damaged and I have been denied a new home and business funding which takes away my ability to pay my bills, run my business, feed and cloth my family. This situation is causing stress to myself and my family. My federally protected rights as a consumer have been violated by both companies. I did not sign any contract with Nationwide Credit , Inc and give them permission to have my 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 2023-10-19
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:
I am definitely not satisfied with the way you verified these disputes. I'll be serious in dealing with these inaccuracies that you are reporting whi ch affects my score. My succeeding action would be filing complaint with the Attorney Generals Office if still these aren't fixed. You guys even sent me letter saying that these account are verified? You serious? How comethat you come-up saying that these accounts are verified yet there are no supportingdocuments that prove that these are accurate. I need you to perform a reinvestigation on these ambiguous accounts : XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$310.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$510.00} XXXX XXXX XXXX  Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$960.00} XXXX XXXX Late Payment {$14000.00} XXXX XXXXXXXX {$9000.00} XXXX XXXXXXXX {$4300.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1500.00} XXXX XXXX IN ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$1400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1200.00} XXXX XXXXXXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$980.00} XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX  {$34.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX {$10.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2023-05-10
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 2023-05-10
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have been reviewing my consumer report in its relationship between I, XXXX XXXX, and you TRANSUNION and I've noticed unauthorized inquiry 's on my consumer 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/23 I received an overdraft notice alerting me that I had overdraft charges on my account I have included this notice in this complaint In this notice it shows a balance of {$200.00} The notice alleges that the XXXX charges that came in that, brought the account down to {$96.00} ; and then allegedly the XXXX XXXX PAYMENT FOR {$200.00} OVERDRAFTED THE ACCOUNT However in my account statement in online banking, that is also attached it shows this XXXX XXXX payment having been paid and an ENDING DAY BALANCE of {$1.00} These two different balances and accounting are in direct conflict of each other and both fifth thirds own numbers. 


The account statement shows a very different balance than what fifth third alleges was the ending day balance that day. It does not show the bank paid these 2 incoming charges from the XXXX and thus when the XXXX XXXXXXXX payment came through, there was only {$96.00} and not enough funds, over drafting the account for that XXXX XXXX payment. This statement shows the XXXX XXXX payment was paid and posted, thus the overdraft charge and overdraft statement is incorrect and indirect conflict of the banks own account summary statement. 

IF THE BANKS OVERDRAFT NOTICE IS CORRECT, AND THEY PAID THOSE 2 CHARGES AND THERE WAS NOT ENOUGH FUNDS FOR THE XXXX  XXXX PAYMENT ...... 

WHY WAS THE ACCOUNT OVER DRAFTED THE FOLLOWING DAY FOR CHARGES THAT WERE SUPPOSEDLY PAID ALREADY?? 


THE BANK DEDUCTED PENDING FUNDS WITHOUT APPLYING THEM IN ORDER TO REORDER POSTING ORDER AND MAXIMIZE OVERDRAFT FEES AGAINST CUSTOMERS THESE FRAUDULENT PRACTICES OF THE BANK HAVE SET THE ACCOUNT NEGATIVE AND CREATES A DOMINO EFFECT OF NEW DELINQUENT FEES. 

EMPLOYEES OF THE BANK AGREE THE ACCOUNT SHOULD NEVER HAVE BEEN CHARGED THE ORIGINAL OVERDRAFT FEE FROM XXXX  XXXX. 
HOWEVER THE BANK 'S FAILURE TO REVERSE AND CORRECT THESE ORIGINAL ERRONEOUS FEES IS CREATING NEW COMPOUNDING FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked again 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a loan with Penny Mac. After discussing with the loan officer the what the situation was he decided that we should get a certain type of loan. We paid a {$100.00} fee and provided all documentation. We began getting stuff in the mail that our credit has been run and also documentation from a company stating that they would be handling the closing etc. I was under the impression that we should be closing soon and I reached out to Penny Mac on XX/XX/XXXX knowing that we should be closing soon. I was told that someone would call me back. On XX/XX/XXXX I reached out again because I had not heard back and at this time I was told that the loan had been moved to an in active status and that someone would reach out to me. I had not heard back and reached out again on XX/XX/XXXX and requested a call and was told that the issue would be escalated since this was my third time asking for a callback. I received a call back from XXXX XXXX who said that she was a manager and that the company had failed to do their job and to inform us that we were not approved for a loan and that we had four days left on our locked in interest rate and that she would take the loan in front of the board on Monday the XXXX to see what they could do. I once again had not heard back so I reached out to XXXX yesterday and finally received a call back and was told that there was nothing that they could do and that we were not approved for the loan even though they had failed to inform us in the time period they are legally suppose to. We have now lost out on a locked in interest rate which was a lot lower than what I can get now and I am having to pay interest and try to find another company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Multiple dates and amounts with my Wells Fargo account being insufficient due to my balance not properly being reflected. Multiple returned payments, late fees and overdraft fees made even though money was available at the time of transaction.

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 2023-01-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Finance manager illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( XXXX  ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX Bank ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX  ( never authorized ) and XXXX XXXX ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX Bank at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for my mom, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX Bank XXXX Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold to Specialized Loan Serving from XXXX XXXX. We made payments just as before normally but there was extra money due and I couldn't figure out why. I called them and they said something to the point of since the loan was just sold to them, the escrow accounts are just being figured out and that extra money I owe for escrows should be worked out soon. Not to worry. They were very nice about it. Then after a few months, we got a late charge saying we hadn't made the proper payment. I called back saying that I had previously contacted them about the escrow money and that I was waiting for it all to get worked out. They were very rude this time and acted like they had no idea what I was talking about. They said that the escrows were refigured and short so we had to pay the difference. OK, that would have been no problem, but they increased the payment ( to cover escrow shortage ) and we were dealing with evacuations and relocation. So we were never late just short on the regular amount of payment since it is automatically paid the same amount every month. 

Now, we are looking into our credit scores and for the first time see that they have marked us as late on our credit report. I'm enclosing all the screenshots for you to see and I can supply whatever else you would like me to. In the middle of all of this, we were affected by the fires and a mudslide and had to evacuate our home. I asked if these disasters affected my payment at all and they said they didn't know and that they would not look into it. I told them that it wasn't a good decision to take into account the disasters, again very rude about it. I was quite taken back by this since I had received a letter stating that if there were any problems due to the disasters to let them know. 

I also want to add that I receive many emails from Specialized Loan Serving and not once did I receive an email about my payment being higher than normal. When I asked them why they couldn't have let me know about my increased higher payment, they said they are not authorized to send statement payment information - just all other information. 

They charged us not only penalties on our escrow shortages ( that were recalculated after the sale ) but also negative credit report marks. Thanks for looking into this it. Thank you, XXXX and 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