BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: WESBANCO BANK, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Our WestBanco secured credit card was closed XX/XX/2023, The secured balance was applied to the cards outstanding balance and overage was paid to bring the balance to XXXX. 

Over the past 2 months we were told the account was not closed and we were accruing late fees and interest. We have made multiple calls to the bank with no resolution. 

Our next step is civil litigation.,

Company response to consumer: In progress
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: KY
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my 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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/23 I wrote a certified letter to Transunion, XXXX, and Transunion in regard to my private nonpublic information supported by 15 USC 6801. In the letter, I stated that I elect to OPT OUT of reporting information from XXXX XXXX  and reporting information from XXXXDept of Ed protecting my right to privacy according to 20 U.S. Code 1232g - Family educational and privacy rights I elect to OPT OUT of reporting this private information.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: NC
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. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my nights. 
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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2018-03-01
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received an email notification of suspicious activity within my debit/checking account. I contacted Wells Fargo within one hour of receiving the notifications and confirmed fraud had taken place. The fraudster had gained access to my account and attempted to electronically transfer {$1000.00} plus take {$9800.00} from a line of credit. My accounts were closed immediately. I spent 90 minutes on the phone verifying my identity, being interviewed, and receiving instructions that I had to go in to a branch to have new accounts issued, which I did. It is now eight days later and Wells still has not returned the {$1000.00} that was attempted to be transferred out of my checking account. After several phone calls to Wells ( with wait times of over 30 minutes! ), I'm still being told that this process takes at least 10 business days or 2 calendar weeks to " investigate. '' This is ridiculous!! I can understand maybe up to 72 hours, but 2 weeks?!! I don't have an extra {$1000.00} to sit on while they " investigate '' what happened! They were notified with 60 minutes of the attempted transfer and thus NO FUNDS were moved -- this was not a wire transfer but rather an ACH transfer. I understand these are the " rules '' that they have 2 weeks to investigate, but come on, that's a bit excessive. All banks, including Wells, should be  required to be more efficient in their fraud processing because we mere consumers don't have the luxury to have our food and gas money tied up for weeks!!!

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 2023-04-28
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of the account from XXXX XXXX Acct # XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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 with the fair credit reporting act XXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX : Has violated my rights 15 USC 1681 section 602 A states. I have the right to privacy 15 USC 1681 section 604 A section 2 also states consumers agency can not furnish a account without my written instruction

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 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX refuses to delete this fraudulent account from my credit file from XXXX XXXX XXXX which was unverified and deleted by 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 2023-09-09
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleg debt, nor therefore any such debt, in fact therefore exists

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company XXXX XXXX XXXX XXXX. has not paid my county taxes. I have placed 7 phone calls to them to address the issue. 
I have placed 7 phone calls to Community loan servicing to address the issue on non payment on my county taxes. They at first argued with me by not acknowledging that it was county taxes and they kept referring to town taxes. I explained I have school taxes and city taxes that have been paid but not the county tax. I have faxed the tax lien to them at their request on XX/XX/XXXX. They promised to expedite the payment and that they would call to confirm. No payment and no call. On XXXX I again called and again explained the problem and was told they would send it to the tax department to " look into '' and that it would take about 2 weeks to address. I again called on XXXX and spoke to XXXX XXXX XXXX who asked me to email him the tax bill. He replied in writing that he had received it and that he would expedite it .He also stated that he would call or email me that confirmation it would be paid by XXXX. By XX/XX/XXXX I had still not heard back so I called again and spoke to " XXXX '' who stated that she would make it a priority to get this paid and that she would confirm by then end of the day. No payment made and no call made to explain the situation. My mortgage is paid on time every month and i have never missed a payment. there is no reason for them to not make this tax payment as there is enough in escrow to cover it. My taxes are being threatened to be sent to a tax lien at this point and I am just getting the same structured general response every time I call where they promise to take care of this within 2 weeks. Its now been 3 months and no action and each time I call I have to have the same conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE UPDATE MY CREDIT REPORT, I NEVER LEAVE WITH THAT ADDRESSES, PLEASE REMOVE IT FROM 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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I noticed on my credit report on XX/XX/XXXX that there was an attempt to open a chase credit card in my name, which was fraud, I received the chase credit email at XXXX and I called them at XXXX to report the fraudulent account activity. They said they will stop the application process and I did ask why did they not call me before hitting my credit with this inquiry, they said that eventually something seemed fraudulent. It seem like I caught them before chase did. Chase said that the application is closed and that they will send me information in the mail along with facts about how to protect myself from fraudulent activity. My credit score decreased by XXXX  point and which I disputed this inquiry which XXXX is removing it, but I want my XXXX point back. There has been a freeze place on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac has continued to misapply my monthly mortgage payment despite explicit instructions on how to allocate the monies. More recently they paid {$1500.00} to XXXX XXXX XXXX for my homeowner 's insurance. The premium is {$1400.00}. PennyMac 's negligence has resulted in an over payment of {$74.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: OPORTUN FINANCIAL CORPORATION
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:
All Im asking is to provide true and accurate information on MY credit report. This account was closed in XX/XX/XXXX and out of spite and revenge since I have disputed many times due to incorrect information, you update it to closed on XX/XX/XXXX since you know this will harm my score and it did tremendously! The balance owed is {$0.00}! Why should I have to dispute it a 4th time?! Why cant this company just do right the 1st time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called all unauthorized inquiries and they denied to remove any information and didn't want to work with me on investigate this unauthorized inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX & XXXX / & Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX / XXXX ... XX/XX/2017... I disputed the balanced. XXXX / XXXX closed the account not allowing me to make payments. I made several attempts to make the payment before the due date. The account is question has been paid in full but after the due date because XXXX XXXX XXXX would not allow me to make a payment

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 2021-08-21
Company: EQUIFAX, INC.
State: FL
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 and XXXX XXXX XXXX is in violation of FCRA, consumer reporting agencies are not suppose to share medical information of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: EQUIFAX, INC.
State: NJ
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:
-XXXX XXXX  XXXX : Balance {$0.00} Opened XX/XX/XXXX -XXXX   XXXX  : Balance {$51.00} Opened XX/XX/XXXX -XXXX XXXX : Balance {$340.00} Opened XX/XX/XXXX -XXXX XXXX : XXXX  {$650.00} Opened XX/XX/XXXX -XXXX  : {$530.00} Opened XX/XX/XXXX -XXXX : {$6000.00} & {$3500.00} ( School Loan in Error ) XXXX XXXX XXXX {$0.00} Balance -XXXX XXXX {$170.00} Opened XX/XX/XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX {$0.00} Balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been trying to remove the MI on a property we have owned since XXXX. We called back in XXXX and asked for it to be done. They told us we needed LTV to be 65 % from original unless we wanted to pay for appraisal and get current loan to value. The appraisal fee was expensive. So we decided to wait. Although early XXXX we were at a 65 % LTV based on original value as I have done an amortization schedule. The MI should have stopped then. We just called again recently. They said they would send us what the required. Our LTV is 55.7 % currently. They are still telling us that we need to do appraisal. The appraisal ( thru XXXX XXXX is more expensive then what is charged to borrowers for a purchase. If we were to refinance the property, we would probably get an appraisal waiver since the loan to value is under 75 %. However, after doing much research I have come to the following conclusions : The loan is a XXXX XXXX XXXX. The servicer is Wells Fargo that already has a lot of bad publicity taken advantage of consumers. The reason for mortgage insurance is in case of default of the mortgage. If we had put down 20 % instead of 10 % and went with this same lender back then, we would not have been required to get mortgage insurance. We feel as we are being taken advantage of. There really is no risk anymore and isnt that ultimately what the MI covers? We are at a 55 % LTV now. We have paid enough down in equity over almost 16 years that the MI should not be necessary at this point. 
We researched the guidelines for a XXXX XXXX based on Non HPA Mortgage since this is an investment property. This is what was found. Section 4203.1 There are two choices A or B. and it is respectively. So I am on section A ) Borrower-requested cancelation of Borrower-paid mortgage insurance based on original value. It does not state anything about at the Borrowers expense an appraisal is required. All it states is cancelation point. Evidence of value which the servicer must warrant the original value of the mortgaged premises, at minimum, supports the LTV ratio required and lastly payment history. They are using {$310000.00} which I know that is what we paid for the property and that is what is used when appraisal comes in higher, however ironically I have a copy of the original appraisal and it actually came in at {$320000.00}. The appraisal in our mind is not an issue. 
P.S. How would a consumer know what the MI entails as far as getting out of it. There is nothing in the loan package that states that arbitrarily the servicer can require an appraisal. I feel as if my mortgage would be paid down to {$0.00} and they would still want the {$46.00} a month. 
.

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 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've attempted multiple times since XX/XX/2017 to remove the remarks that my account for XXXX XXXX which has a credit limit of {$15000.00} is Closed. This account is open and active and I've disputed it multiple times. XXXX  and TransUnion have gone back and forth. I've received updated credit reports where it'll reflect that the problem has been fixed and the report will show the account is Open and on a following update, the account again gets placed on a Closed status. This is affecting my Length of Credit history as I've had both of these accounts for a long time.

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 2018-09-17
Company: COMMERCE BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Commerce bank reported me 30 days late XX/XX/XXXX I have statements from the bank showing I was current as of XX/XX/XXXX they did the same exact thing to me last year the statement shows I paid but then it was never posted to my bank account if you have a current statement from the bank saying youre at to date how can they reported 30 days late later they have a vendetta with me after closing my checking account last year and they never report my billing statement correctly so they hit me for 230 days late in the last year and its incorrect And hurting my credit score on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit balance on my card due to a refunded purchase. Despite repeated requests for a refund, AMEX has not complied

Company response to consumer: Closed with explanation