BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
For account ending in XXXX. Last for of the card is XXXX. XXXX  sent an incorrect statement to XXXX XXXX about my application being a fraud account when I did not report that. XXXX XXXX closed my account after that. I have been working with them to reopen my account. They are stating they are waiting for XXXX  and Transunion to put it back on my credit report. It is currently showing on my XXXX  report. This has been ongoing since XXXX and it is now XXXX. 

I'm unable to use my card and this has stressed me out completely. I called XXXX XXXX on XX/XX/12 to make a payment and XXXX told me I could not make one. It was reporting to Experian as past due when I couldn't make payments and did not know it was showing as past due as my account wasn't viewable online and I'm not getting statements because my statesment are online only but I can't change that due to no online access. I only knew because I got a " friendly reminder '' in the mail stating I was 2 payments behind. I want this corrected. Do I have to obtain an attorney to get this fixed on my 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 non-monetary relief
Consumer complaint received 2019-06-18
Company: ID Analytics, Inc.
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: Account information incorrect

Complaint:
I applied for a car loan and was denied due to a score of XXXX with XXXX XXXX but XXXX with XXXX ... .also they reported serious delinquency when I don't have any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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 information incorrect

Complaint:
I called transunion several times, to let them know I am victim of the inquiry issue. I have several inquiries that are does not belong to me. I also called XXXX. 
My Name : XXXX XXXX XXXX. # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/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 2021-01-24
Company: AMERICAN EXPRESS COMPANY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX XXXX, XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authoriz ation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In early XX/XX/2021 we were offered a XXXX XXXX VA Streamline Interest Rate Reduction Loan by Freedom Mortgage Corporation which we accepted. As of todays date, XX/XX/2021 this loan is not closed. We have made numerous numerous phone calls and sent several emails asking what is the problem. We are given the same 3 responses : 1. The loan must be sent to underwriting for review 2. The loan must be submitted for final approval 3. They must request an updated payoff They continue to pull our credit, send us emails and call us telling us to provide them with a payoff, or to contact them to schedule a closing only to repeatedly give us one of the above referenced reasons why they can not schedule a closing date. We are literally receiving 2-3 phone calls on the same day from different people giving us 1 of the 3 excuses why a closing can not be scheduled. Now, we are being told that because it is taking so long to close this loan the rate lock has expired and we will be assessed a XXXX  % fee to extend the XXXX XXXX rate. 

A VA Streamline Rate Reduction Loan is the simplest mortgage loan to complete and yet Freedom Mortgage Corporation will not close this loan. We believe that for some reason they do not want to honor the terms of the mortgage loan they offered us and are trying to irritate us to the point we withdraw our application.

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 2019-10-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is the worse Credit Reporting Agency to even deal with. On Several occasions I have contacted them with regards to these inquiries and no one ever wants to assist you in finding a solution. These people are not on the consumer side at all and should be fined all day long and I see why they are constantly getting sued ... ..

I want these erronenous hard inquires removed immediately off my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX # XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Monday, XX/XX/XXXX, I had two false XXXX charges on my Chase bank account after losing my phone and wallet. I called Wednesday, XXXX XXXX to submit a claim. I was told there would be reversal of charges and an investigation. I did not recieve either. My claim closed within 3 days, and I never recieved any temporary reversal of charges while the " investigation '' was ongoing. 

They told me to get in contact with XXXX, which I did, and they could not help me either with a refund and told me to contact my bank. A Chase representative told me on Friday, XX/XX/XXXX, that my claim was actually in progress and I should recieve a reversal on XX/XX/XXXX. 

However, today, on XX/XX/XXXX, i had not recieved anything, so I reached back out and was told my claim was closed after just 3 days. I don't believe the claim was investigated properly, with the ticket quantity being looked into and such. i was told because I used XXXX before, that it couldn't be fraud, which did not seem feasible to assume.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: AL
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 letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and XXXX. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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:
Equifax is reporting negative information on the consumer report. XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX is being fraudulently reported on the consumer report. These negative accounts under Graham Leach Bailey act and the Patriot Act needs to be removed. The consumer has contacted Equifax multiple times to remove these fraudulent accounts. I never gave Equifax permission or written consent to furnish anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XXXX and XXXX of 2013 two transactions were made on my paypal account. The funds were withdrawn from my debit card. I was incarcerated at this time and reported fraud when I was released and this came to my attention. I was told that I am liable regardless. That account was charged off and submitted for claim. I am still trying to resolve this and have been told that this is friendly fraud. I did nothing wrong. This debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander charged the account off but increased the balance 2x since it was charged off. Also, they charged me 2or 3x the amount the car was worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2023-05-16
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/ RE : Notice XXXX XXXX XXXX and XXXX XXXX under FCRA Violations Dear [ Credit Reporting Agency 's Name ], I am writing to address your continued violation of the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final offer of settlement before litigation, with the intention to amicably resolve this matter. 

I am prepared to pursue legal action in accordance with the FCRA to seek relief and recover the monetary damages I am entitled to under Section 616 and Section 617 if the following items, which are inaccurate, unverifiable, and invalidated, are not promptly deleted from my credit report. Please note that this letter, along with the previous correspondence and evidence of inaccuracies, will be included in a formal complaint to the Federal Trade Commission and may be used as evidence in the pending litigation if you fail to comply with this settlement offer. 

It has come to my attention that the following violations of the FCRA have occurred : The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following personal information is incorrect : EMPLOYER : XXXX XXXX The following personal information is incorrect : EMPLOYER : IXXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Please treat this matter with utmost urgency and comply with the settlement offer to avoid potential litigation. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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: Account information incorrect

Complaint:
I have attached an account reporting to all three of my credit bureaus inaccurately, and per the FCRA anything reporting to all three of my credit bureaus should be reported 100 % accurate. I have attached a picture of the account with the highlighted discrepancies. Please delete this account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After several calls to Customer Services Representative on Tuesday XX/XX/XXXX sent the here included text to this company : PLEASE, Please read the letter here included that you sent to me from your Research Department. 

1. I have make all payments since XX/XX/2021 as my Bank Statement ( here included ) showed. Your Research Department letter also mentioned that since XXXX there are no payment missing. 

2. On XXXX you reduced from my XX/XX/2021 payment of {$2000.00} the amount of $ 990.11and applied it to the XXXX incorrect bill of {$3000.00}. 

XXXX. Reason was the XXXX payment was raised to {$3000.00} due to the escrow analysis. That payment that XXXX make to the XXXX XXXX XXXX XXXX office for {$3100.00}. That amount was reimbursed to XXXX by XXXX on XX/XX/2021 as your letter mentioned and files showed. 

4. XXXX billing never adjusted the XXXX bill to the real amount of XXXX. Then releasing the {$990.00} that will need to be reverted to the XX/XX/2021 payment of {$2000.00}. 

5. That amount of {$990.00} will offset the amount of {$960.00} that your letter stated that I ought for XX/XX/2021. 

6. Hopefully this time someone can made the correct things and fix this issue. 

Thank you and blessings! 
XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Loan loans. loan number XXXX. XXXX XXXX XXXX borrower. property address XXXX XXXX XXXX XXXX, Oh XXXX. 

The servicer has not paid the annual insurance expense, which is inc. in escrows. Ins agent called several times to investigate and received no response. Ins. agent called me to inform me of the issue and advise the policy was due to expire without payment in 10 days. I called carrington, spoke to service rep, and she advised she would investigage and call the carrier. I requested a phone call/email to confirm problem was resolved. I was told she can not verify this, and I would have to call back in 2-3 business days to confirm. I advised this was unacceptable, as we encountered the same issue last year. When I requested to speak to a supervisor, service rep hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2020-07-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since mid XXXX I have been trying to get XXXX to correct my payment history. They have reported a payment of more than 30 days late in XXXX of 2019. When I call to talk to them about the issue they state that their records show I made the payment on time and that they are reporting it correctly. However it is still being reported as more than 30 days late on my credit report. I have filed disputes starting in mid XXXX with the credit bureaus that did not fix the problem. I have now filed multiple disputes with XXXX internally that have so far not fixed the problem. Each time they come back and say they are reporting it correctly and I have to start the process over again which takes weeks. I have made multiple phone calls and been on the phone for multiple hours trying to get them to update my payment history correctly and each time am told the dispute is in process or the dispute is done and they found their information to be correct. As of today my credit report from all three bureaus still shows a payment of more than 30 days late in XXXX of 2019 after hours on the phone and multiple disputes for the last three months I will include a payment history provided to me from XXXX showing that I made the payment on XXXX the XXXX of 2019. I will also include a picture of my payment history as it has been reported to all three bureaus by XXXX. Their refusal to investigate this issue thoroughly and fix their error is causing me financial harm. I am unable to gain pre-approval for a home loan I need to help house my family.

Company response to consumer: Closed with explanation