BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair credit report act XXXX XXXX  Account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I took a mortgage in XXXX of XXXX with XXXX and my then husband, for XXXX, the the best of my recollection. In XXXX, we separated, and he remained in the house covered by the mortgage. In XXXX, I had a XXXX Chapter XXXX which included the mortgage. XXXX stopped reporting it to all three credit bureau. Upon very bad advice from a lawyer, I quit-claimed the deed to him without him refinancing the loan. He then modified the loan with XXXX XXXX XXXX, increasing the term to XXXX months from XXXX months, and the amount to over XXXX from the original terms. I NEVER signed for this increase. XXXX XXXX XXXX, in XXXX, FL, states that they can modifiy the terms of the loan without my signature, and they have started reporting it on my credit report as of XXXX XXXX. The loan is already delinquent ( as of XXXX XXXX, XXXX, due for XXXX XXXX ). XXXX XXXX told me NOT to complain to the credit bureau, I did and Equifax already removed it but the other XXXX have not. XXXX XXXX continues to report and I have been denied for XXXX car loans because of " Excessive Obligations '' because the payment on this loan is {$3600.00} and I have my mortgage of {$1900.00}. The company stubbornly refuses to remove it from my credit report, and I will not be able to get a car loan or any other for the next XXXX years as a result.

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 2021-05-11
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:
I have sent several letters to Equifax about two bankruptcies that are reporting on my credit file in error. The last letter that I sent was XX/XX/2021. I have already contacted XXXX and XXXX about these errors. XXXX also did an investigation and contacted XXXX  and removed these errors that was placed on my file. Equifax is stating that they verified the information from XXXX and XXXX states that is incorrect information because they have not verified any information with Equifax. I will attach supporting documentation to my complaint. I would like these errors to be removed from my credit file that Equifax have for me immediately because it has damaged my credit profile and caused me trauma due to the incorrect and inaccurate information reporting on my file. I appreciate your prompt attention in this matter thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Experian Information Solutions Inc.
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:
reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations

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 2022-03-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a complaint about the customer service I received from pennymac and the processing the underwriter use to approve a loan. This started on XX/XX/22 I received a call from pennymac and this wasnt the first time called to say there going to help lower the payment. So I speak with the agent give me all this great information on lowing payment and I wasnt sure if I should trying knowing I have credit card I want to pay down so I was thinking it could be great to take cash from my home to pay on my bills and fix my home up more so I started the application with the agent and they run my credit he stated your card balance of high but I think there something we can do I pay to get appraisal of the home that was looking good and give all my income information and they first gave me options to do to help income debt then I advise hey Im co borrower on a auto and they make payment send that to then I was so hopeful I can pay my debt fix up my home for me and my family and they then state cant remove we need 12 months of payment and that 4 months away and I ask the agent to please help he advise Ill call you back and a weekend and 2 days later I had to call them so now because Im four months of and I dont have assets I can get approve this made me feel so defeated like how your trying to help me but do everything to try not to approve me I havent cried so hard in my life they need to stop building people hopes up just to destroy them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my home in XXXX XXXX to remove my XXXX husband 's name from my property after the divorce was final in XXXX XXXX. 

I was told by Wells Fargo that I had to hire a third party appraiser, XXXX, out of my pocket, {$550.00}, which I really did n't have that amount to spend at that time, but checked with my realtor first to make sure that my house would appraise for 80 % of my current loan amount which has been paid down the past 2 years. Since I was reassured by my realtor that my home would appraise and meet the 80 % LTV ratio, I went for it - and was denied. 

I was then told I need to come up with upgraded receipts to equal the amount of {$15000.00} in upgrades. I confirmed with the woman I was speaking to about these receipts and was told that I could use receipts for all upgrades from when I originally purchased my home in XXXX, prepare a detailed spreadsheet of dates, consumer name, product, and price, and detailed letter of why I want my PMI removed. For the record, I 've never been delinquent on any mortgage payment or any other payment. 

Today, XXXX XXXX, XXXX, I was denied-denied. Wells Fargo will not use the XXXX XXXX appraisal because they will be using the XXXX XXXX appraisal which is less since my property value has increased. Furthermore, I can not use any upgrades to my home if they were completed before my XXXX XXXX refinance. Just getting out of a divorce which took me 20 months to get out of divorce debt, how could a single woman making a minimal salary pay {$15000.00} in upgrades? So all the upgrades to my property do n't matter? 

I contacted XXXX, the actual appraiser, and he knew that I was doing this appraisal to remove my PMI only and he could not understand why Wells Fargo refused to use the most current appraisal which is what they should have done because what they are doing does not make sense, I.e., using a 2-yeaXXXX old appraisal. It 's just unrealistic. 

I spoke with my case worker who will remain unnamed at this time @ Wells Fargo Home Mortgage and demanded a refund of {$550.00} since they had no intention of using this appraisal when they had every intention of using the 2-year old appraisal, which makes no sense at all!

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 2017-10-29
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: Account information incorrect

Complaint:
Request for experian credit bureau to remove old outdated information and all hard inquires only slowing XXXX hard inquire also show length of credit over 2 years current from my car loan with santender bank paid and paid off timely over 26 months.which is on my XXXX XXXX.my scores went down from XXXX to XXXX would like to see my scores restrung to that level.working diligently in restoring my credit for a home purchase.Thank youXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Florida XXXX XXXXXXXXXXXX or XXXXXXXXXXXX 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 2021-05-11
Company: Neighborhood Assistance Corporation of America ("NACA")
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attended a workshop and applied for a NACA mortgage. I completed my application and they took my money, but I have not been able to get a hold of a single person at any point in time during this process. 
I have called, their phone doesn't even ring through. You get the initial answering system and then it hangs up no matter how many extensions you try. I have emailed, with no response. This has been going on for MONTHS! 

They took my money and ignored me. They are supposed to let you know if your application has been denied by 60 days after applying. 

This company is fraudulent and misleading and a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Continental Finance Company, LLC
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/2021 I was charged on my credit card {$250.00} + {$250.00} a total of {$500.00}. I called the credit card company and reported this. The credit card company XXXX started a fraud dispute and changed my credit card. This company hasn't resolve this dispute, I haven't received any information about this fraudulent charge and they keep charging me interest and late fees knowing i did not did this purchases, now they reported to my credit report as late giving me a bad score. I have proof that i was in XXXX XXXX on that date with my daughter.

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 2022-03-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted TransUnion on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX concerning the Bankruptcy that is inaccurate and reporting on my TransUnion Credit Report under XXXX XXXX. I requested that it be removed from my account, after l contacted the XXXX XXXX XXXX Wisconsin United States Bankruptcy XXXX, who informed me that they did not verify or validate to TransUnion and they do not report to credit agencies. TransUnion still has not removed the Bankruptcy. I want it removed 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 explanation
Consumer complaint received 2017-10-29
Company: Experian Information Solutions Inc.
State: WI
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 contacted Experian concerning the Bankruptcy that is inaccurate and reporting on my Experian Credit Report under XXXX XXXX. I requested that it be removed from my account, after l contacted the XXXX XXXX XXXX Wisconsin United States Bankruptcy XXXX, who informed me that they did not verify or validate to Experian and they do not report to credit agencies. Experian still has not removed the Bankruptcy. I want it removed 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 explanation
Consumer complaint received 2022-03-30
Company: PNC Bank N.A.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I am trying to get a replacement title for my vehicle to sell it. The vehicle was paid off with BBVA Compass Bank in XXXX of XXXX. In XX/XX/2021, the bank merged with PNC bank and now they have no records of my past account. I have to have a lien of release OR a statement from the bank stating they have no interest in my vehicle and PNC is refusing both. They can not find any of my account information so they are refusing to even write a statement. I can not get a new title for my vehicle without one of these two items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Midland a dispute letter regarding the above account that you sent me a settlement letter for. In my letter I advised you that this was a dispute notice & that I have never had an account with your company-Midland Credit Management or your XXXX Bank. I also advised you that I never applied or had a XXXX XXXX card. 

On XXXX/XXXX/XXXX, I received a response letter from XXXX XXXX, XXXX XXXX. The letter was undated & it failed to acknowledge any receipt of my dispute letter that was sent and received certified mail thru XXXX # XXXX XXXX XXXX XXXX XXXX. However, instead XXXX XXXX 's letter only stated XXXX 's new policy that was effective : XXXX XXXX, XXXX. At the bottom of XXXX XXXX 's letter, he then went on to state, This account XXXX still be reported on your credit as unpaid. I am not too sure if my simple letter was mis-comprehended, so I have re-sent a copy of it again with another dispute letter. In regards to XXXX 's statement, this can not still be reported on my credit when I have never had, opened, or obtained this account with XXXX XXXX XXXX XXXX. At any rate, even though XXXX 's response time limit expired & failed to be a DEBT validation, he should have sent me a debt validation. However, I know it is impossible Midland can furnish a DEBT VALIDATION because I have never applied for a XXXX XXXX credit card with XXXX XXXX! As a result, I am re-contacted the FTC, and I will continue to dispute this until it is handled CORRECTLY!! How is XXXX XXXX a XXXX at Midland Credit and he is not wise enough to acknowledge disputes or send debt validations in response to a dispute, sending me a general letter after I have sent XXXX a certified dispute will not be accepted. I have mailed CFPB a copy of his letter along with a copy of my original dispute letter to demonstrate his ignorance in the FDCPA & FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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 belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, M, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-27
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
First, let me say that this is so exhausting. Not only have I sent supporting documents but I have spoken with several representatives at Experian about a tax lien that they ( Experian ) went out and found in public records and was not even reported as I have been told by, XXXX County Court, that this account is no longer valid and has been satisfied. Both XXXX and XXXX has removed the negative mark but old Experian just seem to want to hang on to it. I want this, TAX LIEN, removed immediately or I will be forced to seek any legal assistance to make it happen. I am tired and will not keep waiting for the same results ( Remains ). Please ask Experian to properly investigate and remove this bogus item from my credit file. I do not have any balance owed to, Georgia Department of Revenue ( Tax Lien ) and I have sent state approved letters showing execution and Experian will not remove the item ... .why?

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 2022-03-30
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I received a Chime card in the mail ( card number XXXX XXXX XXXX XXXX ). 

I have never heard of this company and never requested to open account. It is impossible to reach anyone via phone so I sent an email. Within 10 minutes of sending the email I received a response the account was closed. 
The next day, XX/XX/XXXX, I received another email stating it was confirmed as identity theft. 

On XX/XX/2022 I received a second Chime card in the mail ( card XXXX XXXX XXXX XXXX ). I immediately sent another email about the second fraudulent account. Response was again very quick stating they were transferring my email to a specialist for review. 

Since the last email I have made several attempts at follow up with no response. 

I need confirmation first of all the second fraudulent account is indeed closed. Secondly I request that my information is flagged in their system so any attempt at opening new account is known as fraud and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions 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 have tried numerous times to resolve an inaccuracy in th way an account is reporting with XXXX, XXXX, and Experien all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a XXXX XXXX, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief