BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  Amount : {$53000.00} XXXX Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line.

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. They merely suggest court and contempt of court charges which
actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can.
Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay.

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at
the time of the signing. They should allow for amendments to be made if something changes too.

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 2020-07-27
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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 2020-10-23
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First Horizon bank on XXXX XXXX, XXXX tn XXXX, yesterday XXXX between XXXX. 
Huge lines outside at drive through, first I asked for cashier check from my business to another business, bc I have personal account ... she said yes and sends withdraw slip. I filled out everything including my business and details on the back how to make cashier. Id and debit card already in.

After few minutes shes can not make it from a business ... ok just give me cash, I asked first, Im late!

After few more minutes she asks my ssn, told her not normal to tell ssn in parking lot for everybody to hear! Ssn is on file! Anyway I gave  ssn. After a while she goes about some form for irs bc over XXXX ( was XXXX ) ... ok Im very late! 
After more minutes asks occupation ... dont have one, just need my money! Shes asked if retired ... no, dont need occupation to get my money!

Other customers outside yelling at them bc is closing time!

Nothing for many minutes so I call ... asking what is happening with my cash ... shes saying no cash without occupation! Finally I get mad and told her that she knew my business name, wrote on back of the slip, and shes trying everything not to give my cash! Now they closed and even after yelling twice my occupation and business name/address she sent my card and id out! Completely ignoring me outside! I had to live to see a teller doing whatever she wants with my money and my integrity!

Now I know how many hundreds I lost being late ( late fees arent  cheap at XXXX for my dealership ) so to show my disgust I put tube on floor ... filming the window trying to get a face with this humiliation ... no time bc security guy shows and blocks my car, standing in front of my bumper! Very angry asks me to pickup tube, I asked if there is a law ... littering ... so thats trash? No! Ok so nothing to talk about!

Scene is illogical bc can not open the door when door blocked sitting next to tube, and can not reach it sitting in the car ... this was another way of humiliation!

I keep asking security guy to move and let me go, and explain that they refused to give my money and thats unacceptable ... he keeps saying to pick it up, and that I didnt give info they requested ( so security is playing her dishonest game ) ... said no and for last time clear the front of my car! I start car and start creeping forward, he  doesnt move, front bumper touched his leg and I stopped ... hes reaching for his XXXX ... I yelled at him to stop or hell XXXX  XXXX  XXXX have to defend myself! He stops and move, after more yelling ... I explained about the lawsuit coming and hell be part in it. 
Finally I can drive away from one of the worst 40min in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: IL
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 sent a dispute to Equifax on XX/XX/2020. By us post office mail not via email. It's been three and half months and they have not replied. 

I disputed an account under the name of XXXX XXXX  XXXX # XXXX. I attempted to get my report online and they don't allow me access online either. So they are not sending me a report by mail to check the results of my dispute and they are not allowing me to get my report online

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I began taking steps to have my PMI removed with LoanCare, my loan servicing company. I paid them {$620.00} to have a appraisal completed to determine that we had enough equity in our home to remove our mortgage insurance. I called twice within the next two weeks to check on status and was told it was still in process. XX/XX/2019 the mailed me a notification that my loan was being transferred to XXXX Mortgage. I called immediately as I was concerned about the appraisal process being disrupted. I talked to multiple agents and a manager that insured me that the appraisal was still in process and that all of the findings would transfer to XXXX. XX/XX/XXXX I called back again, as I received both a notification that my request to remove PMI was denied, but also received a statement showing that my {$620.00} was applied towards principal. The agents assured me that the appraisal was still in process, that I would be hearing from the appraiser soon. The appraiser contacted me 2 days later, and did his site inspection on XX/XX/XXXX. I thought this was a good sign. But I guess that two days earlier, LoanCare had denied my PMI request, using a XXXX value from a refinance. Now my loan is completed transferred. LoanCare, although initially telling me when I called after the appraiser was here, that the process should be completed by XX/XX/XXXX, is saying that the appraisal was not completed and that my {$620.00} was applied towards principal instead. I am now following up with XXXX, 2 months past when I completed the process, still paying PMI and still with no steps forward made towards getting an appraisal. XXXX is saying that they records do not show the {$620.00} paid towards principal. I can not pay another {$600.00} out of pocket for another appraisal. I am at a complete loss of how this happened and how this is even remotely acceptable.

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 2020-10-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to Equifax. My problem is XXXX XXXX XXXX XXXX collection company for XXXX  XXXX XXXX never Validated the so called debt. I have sent repeated letters for them to provide proof that I owe what they say I owe. They have sent me absolutely nothing! Section 809 B makes it clear that they must validate the debt. They did not send me anything because they have no proof I owe what the say. They claim there client the so called  original debtor was XXXX  XXXX XXXX. I do not have gas. I live with my momma. So how is it I owe you this money in the amount of {$280.00}? Provide competent proof { which you cant cause it does not exist } or simply Delete this account as the law states. 


XXXX XXXX XXXX is allowed by Equifax to break the law. I have sent more than 6 letters to XXXX XXXX All certified mail which Equifax has on record. XXXX XXXX refuse to even respond to my request of validation as the law allows in section 809 { b  } I have ask them to several questions that XXXX was unable to answer and it appears they have mixed me up with someone else as now they are reporting this account as paid in full. I am now requesting Equifax to remove this account from my records as this account is not accurate they are unable to verify or validate this account. Its clear this is error. The law makes it very clear that collection companies must report accurate information to credit bureaus and Credit bureaus must report accurate information. If they can not it must be Deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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:
SOMEONE USED MY IDENTITY AND APPLIED FOR THESE ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: EQUIFAX, INC.
State: WI
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 personal information was affected in the XXXX Equifax security breach, leading to several days ' worth of annoyance and unnecessary XXXX about the potential threat of identity theft. Although I have taken all possible steps to avoid issues from this breach in the short term, this data breach will continue to affect me for the rest of my life, as my personal information can not be " taken back '' once it 's been released into the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to contact Equifax on many occasions about unauthorized inquiries on my credit report. Ive called for months, Ive spoken to numerous representatives, but they are insisting they do not removed inquiries from credit reports. Ive contacted every company that was listed on my report and I was informed to dispute it through the credit bureau. On three occasions Ive disputed my information that was on my credit report and was informed that they were factual. This is not true. There was a credit card application for XXXX XXXX that was attempted to run in my name that appeared as an inquiry on my credit report. I then XXXX the name of the company and informed them that I was not the applicant. XXXX XXXX did tell me that they were going to remove the application, and also forward the request to the credit bureaus. After disputing it yet again from my credit report, it came back factual again. I then contacted Equifax and told them that I gave a letter stating exactly what XXXX told me and yet still was not successful. There are nine inquiries from XXXX XXXX on my credit report and again. I called the bank and told them that Equifax will not remove the inquiries off my credit report and was told from the credit bureaus that they are not linked to any account. XXXX told me to dispute them through the credit bureau and yet again, they came back factual. My bank told me that the credit bureau can dispute them and they will fall right off. I have one inquiry from XXXX XXXX that is NOT mine and yet again Equifax was no help whatsoever. I also have four inquiries from XXXX that are not linked to any accounts and yet still Equifax was no help. For months I have been trying to rectify these unauthorized inquiries and have been turned down. After contacting each creditor, I was told to contact the credit bureau. The only way I was able to get some type of document from XXXX was because I had to beg. That is very degrading. And after receiving the letter I tried to fax it into Equifax, they told me that inquiry could not be removed. I then tried to dispute, and was still not removed after having proof! This is absurd! For months I have been dealing with the run arounds, and the misleading information Equifax has giving me. There needs to be some type of resolution to this issue because its damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my 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 explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to Experian about a problem with my credit report and they continue to not examine the facts. Here are the Facts. Section 809 { B }, 15 U.S.C & 1692 { B } makes it clear my rights to  request full validation. XXXX  XXXX XXXX # XXXX has not validated the debt nor have they sent me any information saying this account and debt is even mine. So how on earth did Experian verify the information as accurate when XXXX  XXXX will not even respond to my request? As Section 809 { b } states it is my right to request full validation and they have not provided therefore Experian is required by law to delete at once. I requesting to have XXXX XXXX   removed from my account ASAP. 

I have also reached out to Experian on XXXX XXXX XXXX. I have sent more than 6 letters to XXXX XXXX All certified mail which Experian has on record. XXXX XXXX refuse to even respond to my request of validation as the law allows in section 809 { b } I have ask them to several questions that  XXXX was unable to answer and it appears they have mixed me up with someone else as now they are reporting this account as paid in full. I am now requesting Experian to remove this account from my records as this account is not accurate they are unable to verify or validate this account. Its clear this is error. The law makes it very clear that collection companies must report accurate information to credit bureaus and Credit bureaus must report accurate information. If they can not it must be Deleted.

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 2020-11-17
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reserved a hotel and when I arrived the room was dirty. I did not stay and my credit card was billed. I immediately disputed with my credit card XXXX  and recover credit from them XX/XX/XXXX. I never heard anything more. On XX/XX/XXXX the credit was reversed. I have not received any reason for the reversal it just showed up in my account. I contacted the bank and they said it was in prearbitration and visa sided with the merchant. I was not given a chance to respond the merchant. I never stayed at the hotel. I told the bank it was not authorized and they said their was nothing they can do about it. I would like to receive my credit back. It was just rebilled to my account and no I explanation just out of no where. The rebill put my account in the negative. They also rebilled my account more than 90 days after the investigation began.

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 2023-01-18
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received calls and letters from the Debt collectors [ National Credit Systems , Inc ] after they added the dept to my credit report as a negative item. I called them to ask for a debt verification letter and sent them mail to remove the debt from all credit bureaus if they could not prove the debt, and they are not willing to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: ALLY FINANCIAL 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:
I want to remove late payments on my credit report from my auto loan financed by Ally Financial.

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 2019-08-03
Company: Experian Information Solutions Inc.
State: PA
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've tried to resolve this situation several times but to no avail.

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 2017-12-19
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Bankruptcy discharged a few years ago, this account is still showing as open and reporting negatively.

Company response to consumer: Closed with explanation