BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2019-11-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an existing mortgage at Select Portfolio Servicing , Inc . I am refinancing at a much lower rate at XXXX. I live in a XXXX XXXX XXXX Co-op. XXXX has requested that SPS send my co-op stock certificate and lease so that the mortgage transfer can be completed. According to XXXX, this should take up to three weeks, at maximum. I have been waiting nine weeks with no end in sight. I have been told by lawyers that SPS delays intentionally to hold on to the mortgage interest as long as possible to get interest or to discourage the customer from following through on the refinance. I have called them over 10 times and have received no satisfaction. They do not care about the customer and clearly are trying to delay the process to their benefit. I have spoken to the head of customer service and have had no satisfactory explanation why SPS takes at least 4 times longer than industry standard practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: MD
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my new account shows derogatory on my credit bureaus and in chapter XXXX ... this account was never in chapter XXXX or derogatory///account 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 2023-05-30
Company: Southwest Stage Funding
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or around XX/XX/2023 Cascade XXXX sent a check to my county tresurer for somewhere in the neighborhod of XXXX dollars for property taxes. I have a property tax exemption. The tresurer called me and said she could not cash the check and would send it back to Cascade XXXX with an explanation about the tax exemption and siad I should call Cascade also to tell them, which I did do. I talked to someone in the tax department and explained the tax exemption. As of this date XX/XX/2023 I have made 3 or 4 calls telling them to fix my problem and nothing has happen. In fact they are still collecting taxes on my property. Oh and the XXXX XXXX check that was returned has mysteriously disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
Please see documents Attached

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 2022-06-02
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XX/XX/XXXX I received a notification that I was added as an authorized user on a XXXX XXXX XXXX account that made 100 % of payments on time. I thought this was odd and atypical of a fraudulent account so I checked with those close to me if they had added me. My parents recognized the account as one of theirs but had not added me ( I believe this as they have 0 reason to add me and that is their least used credit card ). It came up on my XXXX report as FNB Omaha and has an account opening date of 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 explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 2023-12-12
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They never corrected my name which is XXXX XXXX XXXX and my Birthday correct Birthday is XX/XX/1971 and my correct last 4 of my Social Security number is 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 2022-06-02
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Pnc bank located in St.Louis MO on Page and Grand.Committed the perfect crime. I need someone to investigate the fact of somehow I had a believe 9 checking accounts. Hmm guess to confuse Me. Then why over 60 thousand dollars in tele transfers were not authorizedby me nor had I ever made transfers over the phone ever. I wish to know where and to whom the money 60 thousand went. The employees at this bank lie and work together in a stem and know what to do to cover there assets if someone brings up something alerting them to the misdeeds So heads up at how you go about catching these crooks...

Also the telephone calls recordings I need to know how to obtain such evidence to clear myself of a false claim of a felony crime for making a terrorist threat. Sad insane and gross..

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/, I called XXXX XXXX, loan officer at Mr. Cooper to see if my husband and I could be " pre approved '' for a residential home loan, which in a recorded call he took a verbal application for lending, ran both our credit reports and approved a pre qualification letter materially misrepresented as " Pre Approved ''. We were offered one loan product, conventional with 5 % down and a XXXX amount of closing costs, being under the understanding that no further litigation was occurring for a previous loan as of that date. On the same date, the company 's outside counsel filed a motion for restraining order to restrain me from settlement negotiation this same counsel invited in a recorded phone call, so on XXXX XXXX XXXX with the possibility of a new judgment, I was forced to cancel the verbal application and revoke our approval for further credit checks and to prevent any further forward actions under pending loan XXXX. 
XXXX XXXX XXXX after never receiving a cancellation of the pre qualified verbal lending application as of the date this application was cancelled both verbally and in writing for two days till XX/XX/2023, XXXX in origination took my call and told me unfortunately Mr. Cooper was not legally allowed to cancel any application for lending and I understand he stated that it would remain pending for 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was denied credit by both XXXX and XXXX based on an Experian credit report. Since then, I made multiple unsuccessful attempts to get that report. Recently, I filed a complaint with CFPB to address the issue and the company responded without providing a means to get the report. As recently as this week I XXXX  their numbers for customer support and have not been able to speak with a live person to obtain the credit report they prepared that was used to deny me credit. 

Based on Experian credit reporting, XXXX and XXXX stated I have too many delinquencies, but that is false. And I have yet to see the report prepared by Experian. I can speak with live agents at XXXX and XXXX but not at Experian. Both XXXX and XXXX credit scores are over XXXX points higher than Experian. Why? I recently paid off my car loan and have one credit card with almost XXXX balance. I googled live customer support and called the number on the email to no avail. 

I filed this complaint because Experian has failed to provide the credit report, and I can not contact a live agent or get that report without paying.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: VA
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 Bank # XXXX XX/XX/XXXX ... {$3000.00} XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX .... {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX ... {$320.00} XXXX XXXX XXXX XX/XX/XXXX .... {$410.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$130.00} XXXX have reached out to the compaines and they still have not corrected the issue. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 2022-06-02
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a charge card with JC Penny. I was a few days late on my payment I admit this was completely my fault. According to JC Penny customer service the system auto determined my credit worthiness was low and took my {$800.00} limit and reduced it to {$110.00} resulting in a hit to my credit score. 
I feel completely blind sided by their actions and unwillingness to help I have struggled to gain every point I have on my score and it is incredibly hard to maintain good credit. I am rarely late on anything and pride myself on paying my obligations on time and this action from JC Penny seems harsh for a one time mistake. 
This is becoming very common and companies do not care about individuals credit score and take these type of actions unfairly at the cost of the consumer. 
If I were 30+ days past due more than once I can see an action like this but feel their actions were unfair and possibly a UDAAP complaint as well.

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 2023-05-30
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXX. Date of XXXX : XX/XX/2023. Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The XXXX XXXX stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You 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 a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations

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 2022-06-02
Company: Experian Information Solutions Inc.
State: FL
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:
My wallet was stollen in XX/XX/XXXX, which had all of my personal belongings in it. My personal belongings consisted of my ID, Social Security card, Debit and credit cards. The person who stole my documents proceeded to a credit fraud. They applied for the following inquiries on my credit report : - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX  XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX All of these inquiries were not authorized by me and is needed to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are having difficulty resolving a XXXX payment made to bring our escrow balance into full reserve. The company, Penny Mac, said they can not find the payment, which we made in the same electronic manner that all our previous house payments were made. We supplied the electronic transaction number on 5 occasions to 2 different people at Penny mac with no result. The officer assigned to us said " we have millions of  transactions a day. '' We find this ridiculous. The money left our account ( XXXX XXXX ) and was electronically sent. The money is gone-We have no ability to return the money to our account. 

We called XXXX to confirm the delivery-XXXX  said the transaction number is proof of the transfer and Penny Mac receiving the money.

This is very disturbing. XXXX is a large sum of money to lose and a bank/mortgage company should never lose money-ever. What if they lost our house payment? 

We have run into a brick wall with the resolution of this issue. We need some help. 

Thanks, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation