BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
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: Credit inquiries on your report that you don't recognize

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is notice that on or about XX/XX/XXXX, a call was placed to the US Dept of Education concerning false and or wrong information as to a debtor. The employee of the collections division wouldn't give name or name of 3rd party collections, rather made threats that this was an attempt to collect a debt and that they will determine on or by XX/XX/XXXX when they will collect money from social security benefits and such the like. 

As stated before the Claimant herein never said he didn't have a loan but stated clearly that there is and never was a consolidation. During the call with the agent of the 3rd party debt collector unknown name and address refused to give information, the agent said that this seems to be a problem between you and the Department of Education and XXXX XXXX because it was assumed that the claimant had somehow done a consolidation when clearly he did not. 

They also made mention of a hearing without a date in the future for this to take place but nothing is clear. 

The claimant paid the alleged loan off on XX/XX/XXXX via USPS mail by way of Tender of Payment act of 1933. As such a copy of the tender of payment was mailed and delivered received by the US Treasury as all copies shall be sent to this department when a payment has been tendered. 

More over the Department of Education has listed this as a debt that was in collections and has damaged the claimants credit rating tremendously. As of XX/XX/XXXX this alleged consolidation was deleted from all three credit reporting agencies. 

On or about XX/XX/XXXX it was added back after a clear dispute of this debt and identity theft fraud was proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: MARINER FINANCE, LLC
State: SC
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 the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
- I have dispute several times with Transunion my account already closed in XXXX. I still keep disputing this with XXXX, but it has been demonstrated the account was paid in full, and the last dispute with Transunion is showing that information. However, they keep showing in the remarks it was paid less than full balance. Attached doc. - From my loan with XXXX company, I'm missing at least one payment in my transunion report. This payment was done and reported by the company. Attached doc.

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 2023-05-26
Company: EQUIFAX, INC.
State: MS
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN accordance to the XXXX XXXX XXXX XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 section 604 Section 2 It also states a consumer reporting agency can not furnish an 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 2020-07-16
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX  
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2023-04-06
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX continues to add interest to a loan that they charged off for profit and loss. By doing so they are updating the account monthly in an effort to cause my credit score to be low.

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 2020-07-16
Company: Experian Information Solutions Inc.
State: AZ
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:
A coalition of attorneys, announced on XX/XX/2020, a settlement with XXXX XXXX XXXX XXXX ( XXXX ). The settlement resolves allegations that XXXX violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk. XXXX has agreed to help repair consumer credit reports that were damaged by its alleged practices by removing the account from credit reports. 

In the settlement on page 9, paragraph 16, " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11. '' I have two letters to credit reporting agencies and have not received a response regarding this particular issue.

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 2020-07-16
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, through my bank ( XXXX XXXX  ), I made a domestic wire transfer of {$3400.00} to a friend. The friends bank ( PNC Bank ) for some reason said it was unauthorized for some reason and that the money would not be available in his account and that the money would be returned to the senders bank ( my bank, XXXX XXXX  ). Well that was over a month ago, and it still has never been returned. My bank ( XXXX XXXX ) has confirmed that it was properly authorized and completed two wire investigations with no response from PNC Bank. My friend has contacted PNC Bank several times and only received one message on XX/XX/2020 that the money would be returned to the senders bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I filed the Unified Home Loan Application with the mortgage lender Eagle Home Mortgage , LLC. a subsidiary of Lennar Homes, INC. I paid Lennar Homes  a total of {$4500.00} as an initial down payment to take the newly built home off the market in XXXX, FL, and the Lennar Homes New Home Consultant/Sales Agent, together with the Eagle Home Mortgage Specialist, pointed me to a Federal Housing Administration loan due to its low percentage cost of initial down payment. 

In my application, I was transparent with Eagle Home Mortgage about my citizenship status. I am not a U.S. citizen, nor a U.S. permanent resident. Instead, I am an asylum applicant with a XXXX XXXX work permit and social security number, as I have been awaiting a final decision on my XXXX  claim since XXXX. My work permit is renewable every 2 years and I am continuously authorized to work in the United States. 

Eagle Home Mortgage and Lennar Homes carried me through the home purchasing process with an expected closing date of XXXX XXXX. I complied with all of the requirements for documentation, income levels, and debt-to-income ratio terms of the Lender. My original Purchase Agreement stated that I could cancel the contract with a penalty of {$250.00} on my original {$4500.00} deposit within 30 days, but as 30 days and more went by, Eagle Home Mortgage did not mention any issues with my application, which indicated that I did not need to cancel my Purchase Agreement. 

On XX/XX/XXXX, after having granted me a conditional loan approval earlier on XX/XX/XXXX, a home inspection, and submission of numerous documents that were requested, Eagle Home Mortage informed me that they had " come across information '' indicating that I would not be eligible for an FHA loan, and denied my application. 

As of XX/XX/XXXX, following multiple requests for information and attempts to make contact with both the lender Eagle Home Mortgage and its parent company Lennar Homes, I have not received a detailed letter explaining why my loan was denied, what information they came across of, and why their decision contradicts the exact specifications of the Housing and Urban Development Single Family Housing Policy handbook and Federal Housing Administration guidelines for issuing FHA-backed loans to non-U.S. citizens, and they have also not returned my earnest money held in an escrow account despite the cancellation of my loan application and the sale of the home to another buying party only two days after I was notified of my mortgage loan application being denied.

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 2021-04-13
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: Information is missing that should be on the report

Complaint:
I have contacted TransUnion and ask that tgey address the following issues on my report. They have failed to do so resulting in my credit being updated and causing harm to me by way of unfair interest and credit worthiness. 

1. Remove unknown and inaccurate Names, Addresses, and Employment. 

2. TransUnion has also failed to update my XXXX card account ( acct # XXXX ) to reflect a balance of XXXX. I have checked with XXXX along with the two other major credit companies, all have properly reported this account accept for TransUnion. The last update TransUnion allowed was XX/XX/2021.

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 2018-05-05
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have my moms death certificate to show her debt should be removed since there is no estate and no money to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: IL
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:
Equifax!!!! Please do what XXXX, and XXXX have done with these fraudulent accounts. Remove them!!! Why haven't you removed these fraudulent accounts from my credit report after the creditors have admitted that they were not opened by me?? XXXX deleted the accounts, XXXX deleted the accounts, what the XXXX are you waiting for?? It's affecting my ability to purchase my first house!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The usbank.com website login button does not let me log in to access my accounts. When I browse using XXXX XXXX XXXX on a XXXX, if I click the " login '' button nothing happens.

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 2020-03-29
Company: Experian Information Solutions Inc.
State: GA
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:
This company continues to enter data provided by XXXX XXXX XXXX after I asked then not to because the US bankruptcy court does not provide information directly to any credit reporting company.

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 2021-11-09
Company: ACIMA CREDIT, LLC
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX XXXX Balance {$1600.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have recently ( XX/XX/2018 ) paid off a mortgage which closed 5 months ago (XX/XX/XXXX ). This mortgage has no prepayment penalty and I was able to pay off without it. And now I got notified by the broker ( XXXX XXXX ), that the lender ( Flagstar bank ) is charging the broker more than 10k of prepayment penalty and the broker wants me to pay the penality.

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 2021-08-08
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Veterans United and XXXX XXXX. Recently I applied and was granted a preapproval for a loan up to {$170000.00} from Veterans United. I am retired, senior citizen, a veteran ( of course ) and a recent widower over the age of XXXX. I now live in Florida ( XXXX XXXX area ). I have limited income to include SS and a small pension. I told them what I was looking for, a condo 1-2 bedroom, etc. They were given my personal information, income, etc. and as stated approved for {$170000.00}. Over 90 % of homes sold in Florida have a HOA. After several days of shopping for a home, I was told by XXXX XXXX ( Loan Officer ) that I would need to deduct from the approved {$170000.00}, {$10000.00} for every {$60.00} of HOA. I never heard of such stupidity, especially here in Florida, the retirement state. The average HOA here is near {$400.00} and can be thousands. This added requirement ( which was not told to me up front ), destroyed my ability to obtain a decent condo, at a decent price, and added to that, they would not even mortgage a mobile home ( which could of been a savor ). I had to pull out and cancel the application ( after messing up my credit for no reason ). My second complaint is with XXXX XXXX wh

o three years ago back out of closing the week the wife and I was about to purchase a home without explanation. It left the wife and I homeless, we had already closed on our previous home and had no where to go. I had to rent a apartment and store my furniture for months. These two companies are a joke and its not fair to any Veteran to be treated like this.

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 2023-05-25
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX and XX/XX/XXXX, my credit report inaccurately stated that I was 90-120 days late on my federal loan, as reported by XXXX XXXX, my loan servicing provider at that time. This misinformation persisted despite the fact that I had been granted a deferment period from XX/XX/XXXX, to XX/XX/XXXX, as confirmed in an email from XXXX XXXX. The deferment was initiated because I enrolled at XXXXXXXX XXXX XXXX and the college duly notified XXXX XXXX about my enrollment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention on this matter, and will wait for your response. Thank you!

Company response to consumer: Closed with explanation