BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I claimed chapter XXXX bankruptcy in XXXX of 2014 and has been discharged already, and still says open on credit report. Also XXXX credit report shouldnt it fall off after 5 years for a chapter XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Huntington closed out my HELOC without my knowledge. I have talked to the branch where they confirmed they have in the system I talked with a representative and told them I wanted to keep the HELOC open. I went to close on a house and they told me it wasn't available. The representative also said they don't have anything on file where my wife or I requested for it to be closed. I have been waiting on a response but the local branch can't get an answer from corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2018-02-26
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: Account status incorrect

Complaint:
One of the tradelines in my credit report is reporting the wrong status on TransUnion. 

Reference Number : XXXX Date Filed : Reported on XX/XX/XXXX Classification : Lien Responsibility : Individual Amount : {$1300.00} The CA lien was reported in XXXX. It is currently XX/XX/XXXX, over 6 years since the lien was originally released. 

It should be taken off the TransUnion credit report.

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 2022-02-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX {$0.00} XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Between XXXX  and TransUnion as well as XXXX XXXX lending as well as XXXX XXXX XXXX XXXX, XXXX and also XXXX XXXX Mortgage XXXX XXXX XXXX ( this is another new name alias ) the level of error over my home is insane. My credit reports are not only contradictory but beyond any logical possible explanation of the errors committed by all of these parties. Anyway, these two also credit bureaus both TransUnion and XXXX  are reflecting non existent accounts and need to be removed immediately for false reporting which is a violation of : 209 CMR 18.21 .... ( 6 ) knowingly and recklessly providing inaccurate information. Both of the " accounts '' need to be removed from my credit history as well as removed from all of the records in the above named businesses. In addition to this mess is an attempt to illegally foreclose on my home with a non existent " account '' Please see all 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 explanation
Consumer complaint received 2022-02-02
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: CO
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:
I have sent two letters to Equifax regarding the XXXX account, They are reporting " derogatory " on a paid account. I have not received any response from them in over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: SELECT PORTFOLIO SERVICING, 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:
My credit report includes a Loan Modification ( mortgage ) which i no longer live in or named on the ownership/deed since XXXX attached is the Divorce decree dated XX/XX/XXXX gives my ex husband 100 % ownership/responsibility. 

***There have been 2 modifications since XXXX by the same company. I never signed, sent my income or verified my identity with Select Portfolio Servicing. How can they refinance using my SSN, Income, etc. I have not lived at the property wince XXXX. The balance is not what I originally applied for from XXXX / XXXX XXXX years ago. attached is the original note I was joint, I never signed nor have anything to do with these modifications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CITIBANK, N.A.
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: Public record information inaccurate

Complaint:
XXXX  is reporting to the XXXX XXXX  old erroneous information to my creditors that is negatively affecting my credit in violation of the FCRA. 

They recently on XX/XX/XXXX sent a notice to Citibank that I had a collection/delinquency when I have no new delinquency or collection since the CHapter XXXX I have is exactly 5 years old since XXXX. 

THere is nothing negative on my credit file since the filing on XX/XX/XXXX over 5 years ago. 

They are violating my rights and ruining my credit worthiness and bringing down my credit scores with false and erroneous data.

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 2018-01-31
Company: Experian Information Solutions Inc.
State: MD
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 formal complaint regarding 8 inaccurate credit accounts via certified mail through the USPS on  XX/XX/XXXX. I received notice the organization in question received the certified letter in XX/XX/XXXX. On XX/XX/XXXX I sent another letter via certified facsimile stating the 30 day investigation period had passed and the listed accounts needed to be removed. The organization removed the accounts in XX/XX/XXXX but re-inserted the same accounts on XX/XX/XXXX. I waited over 30 days for a response as to why and no response was given. On XX/XX/XXXX I sent another letter addressing the removal of the inaccuracies and the failure to provide an explanation for the re-insertion after removing the information at first. It is now XX/XX/XXXX and 30 days have passed and I have sent another letter addressing the failure to respond within the applicable timeframe as well as the violation they have committed due to not providing notification nor explanation to the re-insertion of the inaccurate information and have yet to receive any notification that the inaccurate information has been removed. I have facsimile confirmations showing proof that all correspondence was sent successfully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
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: Their investigation did not fix an error on your report

Complaint:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
I see an accounts that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I initiated a loan application with the Navy Federal Credit Union ( NFCU ). I have been a member with them for over 15 years and previously had a mortgage with them. I have never had a delinquent payment or problem with my checking accounts ( personal and business ). I was also on a joint account with my husband who recently passed away. There was never a delinquent or returned check with his accounts. 

I am XXXX XXXX XXXX, financially solid, and the Navy Federal Credit Union validated that my scores from all three bureaus is over XXXX. My application to the Navy Federal Credit Union is for a home in another state for {$340000.00}. I have over {$300000.00} in savings and investments. Additionally, my monthly income from my husbands retirement, social security, and my work is over {$4000.00} monthly. I can easily afford this new property and in fact, just received a contract on my current home valued at {$650000.00}. The equity in that purchase is over 50 % and this move is not for financial movements -- I feel the need to be closer to friends. NFCU knew from the beginning my projected closing date was XXXX XXXX. They have painfully drug out the process and constantly ask me for additional information, which I complied. The next stall tactic was underwriting was back up but would get to my application. In the interim, I put my house on the market and received a contract on XXXX XXXX with a closing date of XXXX XXXX. 

Today I received a call from the contact person stating that underwriting wants me to close on the other loan before they with approve mine! I am flabbergasted! The people selling the house to me are moving into a larger property and need an XXXX XXXX closing, which has always been the case. They actually asked me to have the people just extending the offer on my home to move up the date! Are they crazy -- these people have had less than a week to get their financial process in order, but they want them to flip on a dime to make them more comfortable with my loan! BTW, my loan terms are not that great at 4 %, but I believed I could get to closing faster than refinance later if I desired. 

I can not see any reason why I am being treated this shabbily and shamefully. I have an income stream, I have savings and investments, I will have additional funds when my house goes to closing. So far I have not been given any excuse as to why they will not approve my loan so I believe that is is my age and maybe gender. Financially, I believe my portfolio puts me at a higher level than most, yet they will have created a circumstance they know can not be met by the people with the contract extended on my home. And, they are jeopardizing the people with the house that I want to purchase due to their discrimination toward me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, 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 have been trying for months to get my credit score from this company, they never help me, all they do is tell me to send copies of my identification to the credit company and nothing ever gets solve, first I wasn't able to get my credit score now I cant even log in to my account ... .this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
applied for a 1 time loan inquiry for a new car loan with XXXX XXXX   XXXX in PA. I was told they would not be able to help me out ... .I continue to receive countless letters of credit being run on a consistent basis from them with different banks etc. I have called the dealership and the sales rep i worked with and have received no response back. The sales rep was XXXX this is his number XXXX ( XXXX ) XXXX. 

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 explanation
Consumer complaint received 2018-02-26
Company: JPMORGAN CHASE & CO.
State: UT
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:
I had 3 charges on my XXXX debit card with Chase Bank On XX/XX/2017 XXXX dollars was charged to my card in Nevada On XX/XX/2017 XXXX dollars was charged to my card in Nevada On XX/XX/2017 XXXX dollars was charged to my card in Nevada all charges where made on my card when multiple other charges ( made by me ) on the same day originated in XXXX Utah. Chase bank is refusing to reverse the charges all charges were made somewhere I had never done business or work with before at the the same time I was using my card in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-23
Company: Lendmark Financial Services
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XXXX printed up a contract thats was sent up and approved by their higher ups with a lower interest rate I signed and finalized everything. They come back within minutes saying the contract was not valid this is not fair especially if a system created the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Ygrene Energy Fund Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
STARTED AND ATTACHED AN ASSESSMENT ON TAX BILL FOR WORK NOT APPROVED OR COMPLETED, NEVER SIGNED ANY CONTRACT AND COMPANY RECORDED CONTRACT NOT SIGNED. XXXX XXXX AND HAVE BEEN FIGHTING SINCE 2017 HAVE FILED SEVERAL COMPLAINTS WITH STATE AND COUNTY TO NO AVAIL. WAY TOO MANY FORMS TO INCLUDE. BUT ALL PAPERS FILED WITH STATE MORE THAN 3 TIMES COUNTY PERFORMED NO INSPECTIONS BUT STILL APPROVED BUILDING INSPECTIONS EVEN THOUGH PERMITS EXPIRED OVER A YEAR. AND I HAVE BEEN COMPLAINING SINCE DAY 1. ROOF HAS BEEN LEAKING ENTIRE TIME AND BLACK MOLD THROUGHOUT HOUSE SINCE JOB STARTED, PUT NEW ROOF OVER OLD ONE WITHOUT REMOVEING. HAVE NOW LOST HOUSE OVER IMPROPER ASSESSMENTS THAT I WAS UNABLE TO PAY. NEVER SHOULD HAVE BEEN PLACED IN FIRST PLACE. I HAVE NEARLY 200 PAGES TO PROVE MY CASE BUT NOONE WILL REVIEW

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a statement from Grant Mercantile Agency on XX/XX/18 stating that I owed {$190.00} to them. The statement date was XX/XX/18. I called my local hospital on XXXX and they informed me that I do not owe anything and they haven't sent any bills to collections. So, I am receiving statements of debt that I do not owe and that do not belong to me. I would really appreciate any help to be rid of this agency that is making up debts in my name that do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I tried to order my free Equifax Annual Credit report online via XXXX. I was unsuccessful. I was successful in ordering my free reports online that day for XXXX  and XXXX. I received the following message regarding Equifax : We are not able to deliver your free Equifax Annual Credit Report online. I advised the XXXX site via feedback that I was unsuccessful. I received a letter from the ACR.com site stating to order via mail or XXXX. On XX/XX/XXXX I tried again to order my free Equifax report and thought I was successful in ordering via the phone number XXXX ; as I received a message when done stating it would be mailed within 15 days. On XX/XX/XXXX, I still had not received my free credit report from Equifax, so I advised the XXXX site via feedback that I was still unsuccessful. The XXXX site sent me another letter stating to order by mail or the XXXX #. I tried to contact Equifax but there is no email address, phone number or online form to advise them of the issues. I searched the Internet as well and everyone states it is impossible to contact Equifax for assistance. So on XX/XX/XXXX, I tried again to order my free Equifax report online. And was unsuccessful. I received the message : We are not able to deliver your free Equifax Annual Credit Report online. Even though again, I answered all questions correctly. I had all the information needed for the Equifax report from my reports from XXXX and XXXX, but Equifax online would not accept. I will not send my SS # or copy of my DL or any other personal info via paper via the XXXX or XXXX, etc as that is just asking for my personal information to be breached/hacked and opening up to fraud. I should not have to anyway as TransUnion and Experian both worked perfectly. Equifax should know this from their experience in XXXX regarding personal information breached/hacked. I want my free Equifax Annual Credit Report just like XXXX and XXXX provided. I therefore am requesting assistance from the CFPB please.

Company response to consumer: Closed with explanation