BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
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: Credit inquiries on your report that you don't recognize

Complaint:
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below Moreover, include documentation which shows that this account was not claimed as a lose with any insuring entity I do not want just a review without detail, instead I have requisitioned a detailed validation.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed within ( 30 ) days and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Furthermore, According to the Certified UCC-11 Document attached, there are NO Active Liens with said creditors. A complaint has already been filed with Consumer Financial Protection Bureau regarding this matter.

Fraud is any kind of artifice employed by one person to deceive another -Goldstein vs. Equitable Life Assur . Soc. Of U.s misc.

No response has been made from the Credit Bureaus

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 2022-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened an account with Wellsfargo. They were offering a {$400.00} bonus for opening an every day checking account with {$3000.00} or mor in qualifying direct deposits for the next 3 months. Its being 6 months of qualifying deposits for over {$3000.00} a month and theyve never given me the bonus as promised.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 been going rounds with Trans Union now for over a year. I submit the documentation they request, XXXX., FTC Affidavit documents, police report Trans Union claims to be " investigating, '' yet I get no confirmation of an investigation or the outcome. Trans Union does to be punitive by locking out the ability to dispute information through their website. I pay monthly for credit monitoring for the sole purpose as new fraudulent information appears, I can dispute it and have it removed, so it does not do further damage to my credit report or score.

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 2022-01-20
Company: Ocwen Financial Corporation
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I WAS NOTIFIED BY LETTER FROM PHH MORTGAGE THAT MY LOAN WAS TRANSFERRED TO XXXX  MORTGAGE ... FORTUNATELY I WAS ABLE TO SPEAK TO SOMEONE AT PHH MORTGAGE HOWEVER SHE WASN'T ABLE TO PROVIDE MY NEW LOAN NUMBER NOR ABLE TO GIVE INFO ABOUT WHERE TO SEND PAYMENT.  IN ADDITION, I CALLED WITHIN 5 DAYS OF RECEIVING THE NOTICE AND CONTACTED XXXX OF WHICH SINCE IT WASN'T THE XXXX XXXX XXXX NO INFORMATION WAS AVAILABLE.  SO, IT'S XXXX XXXX XXXX XXXX  AND STILL NO COUPON MAILED EITHER TO MY P.O. Box NOR THE PROPERTY  ADDRESS.  IN THE MEANTIME, MY SON HAS THE VIRUS.  I DON'T KNOW WHAT TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: 360 MORTGAGE GROUP LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Servicing issues with 360 Mortgage. 360 Mortgage Company LLC has threatened me with foreclosure. My account is current according to my contractual mortgage agreement. The company has contacted me several times today on XXXX XXXX, 2017, and has assessed charges and refuse to supply proof as to the charges such as {$460.00} for XXXX XXXX XXXX for XXXX XXXX. Property Inspection. The company has continued to charge me for this but has not supplied any proof the claimed inspections were performed. The company has continued to either not apply my funds immediately when I paid them to my account or charge me alleged fees and cause my account to be delinquent or go into default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
They have an address down for my current address that has never been my address before, and there is a collection account on my credit report that is from identity thefts with my XXXX account and a line of credit I didn't get and {$300.00} worth of items were purchased I didn't get I didn't find out anything about it until I was called about owing all that money and I was told someone did make one payment on it but it wasn't me

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 2019-09-24
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
JPMCB HL Mortgage has a short sale showing on my credit report for {$250000.00} and it's still updating every month prior to the short sale..The account has been closed since 2014 and sill remain on my accounts after numerous disputes with the credit bureaus. ( XXXX, XXXX, & XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
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:
False accounts on my reports

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 2017-07-13
Company: Nicholas Financial 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: Account status incorrect

Complaint:
I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX, 2017. I contacted the debtors whom advised me to make a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportinXXXX Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-20
Company: CMRE Financial Services, 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:
There is a collection on my XXXX report and another account I don't recognize that don't belong to me, I have written and called XXXX to remove this and no luck. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Netspend Corporation
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking and saving account with Brink 's prepaid master card. About 6 months ago, I wanted to close both accounts. I had around {$900.00} in my saving account. I closed accounts on company 's website and chose to receive the check. However, I did not receive any check from them. I called them a few times, their customer service said they would process it but I did not receive the fund yet.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: NJ
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 disputed an entry on my Experian report. Originally I did not even recognize the entry because it was reported as a TOTAL XXXX card which I never had. I then noticed it was from XXXX XXXX XXXX and was an account they sold to XXXX. I had paid off the account and had an agreement that the account would not be reported and removed from my credit report. I have a letter verifying this agreement. Initially Experian stated they had proof this was my account and I submitted a dispute saying it was to be remove per the agreement with the creditor. I have submitted the attached letter twice and asked for this entry to be removed but Experian, XXXX XXXX XXXX and XXXX refuse to comply.

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 2022-01-20
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Ive had PayPal credit synchrony for several years now. I currently have a credit limit of {$1900.00}. I applied for an increase to {$3000.00} credit limit on XX/XX/XXXX. I received a denial letter on XX/XX/XXXX. It states that my credit score is a XXXX based on XX/XX/XXXX credit snapshot. But my current score is XXXX as of XX/XX/XXXX. Attached here as well along with PayPal denial letter. I request an update to my score because there will be a an inquiry on my credit with a denial based on an outdated score. My score has shot up over the past two months.

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 2019-07-30
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: Problem with personal statement of dispute

Complaint:
TryingtoremovedisputeswithExperianandXXXXisbeyonddifficult.

Agentshavedifferentanswersandcantseemtofixanythingcorrectly.

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 2021-09-15
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX {$2200.00} charged off in XX/XX/2017 I disputed this account with experian because it didn't belong to me the account is unverified and possible result of identity thief my information was affected by the XXXX been dealing with this for months to no resolution they just keep reporting the same negative information without merit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
False accounts on my reports

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 2021-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I the consumer XXXX XXXX, was the victim of identity theft and have fraudulent accounts appearing on my credit report as result of that. These accounts originated from identity theft and are fraudulent, I never benefitted from these accounts. 15 usc 1681c-2 states that any items related to identity theft must be blocked by consumer reporting agencies. The following accounts are related to identity theft XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: LD Holdings Group, LLC
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX Started the refinance process with Loan Depot Was told that because I had a mortgage through them already, the process would be fast.. 
Sent all documents through the portal and was told they were all received. 
XXXX XXXX No communication.. Emailed and he said to call him and he would have an update.. 
XX/XX/XXXX, XXXXSaid he had all information and couldn't believe the account manager hadn't been in touch.. 
XX/XX/XXXX Account manager told me she would call me in an hour - said almost done with the loan for closing. 
Had to send all items again ( third time ) through portal and directly to her. 
She said she received them again and there were sent to underwriter for review.. 
XXXX Same Sr. Manager asks for the same documents the 4th time.. 
she found my old ones, and again said my loan was underwritten and approved XXXX She said she had requested payoff and she was shooting for friday for a closing.. 
XXXXemailed again, and got this : recieved the payoff and have requested the hud/alta statement with the final numbers I will have this tomorrow and will call and discuss closing. 
XXXX She said she would call in an hour to go over the loan .. 

Never heard another word.. 
XXXX New Account manager- Sent paper work again ...

Got to the end, and they said they couldn't do it as I had 2 over 30 day late and 1 over 60. 

I have never been late on a mortgage payment in my life and never would have been if this process would have gone as they said. There was no communication about the numbers changing on my loan even though i had paid payments.. Also called each time I was to close and was told that as long as it closes when they said I should be fine. The dates came and went and I made up the payment. This has been such a farce.. At no time did they tell me that my late payments would be going to my credit. Or of course I would have paid them. Each time I was waiting to close on my loan which each time was imminent. No it shows on my credit and I can't refinance ... XXXX town!! 

I have all the emails talked about ... 
And there were 2 different refinance loan numbers Loan # XXXX Wont let me upload my documents saved from emails..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: PNC Bank N.A.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I initiated a payment from my personal bank XXXX XXXX  to my lienholder PNC Bank on XX/XX/2021 check number XXXX. XXXX XXXX  indicated a paper check would be mailed to PNC Bank and arrive by the XXXX. PNC Bank stated it will take them 10 days process the payoff essentially costing me a total of 16 days additional interest on this loan.

I have made several lump sum payments electronically that went through without issue in the past. My problem is that when trying to pay the loan in full PNC requires a paper check and adds 10 additional days for processing. I believe this is an abuse of the consumer by padding interest on a loan that should be able to be paid in full electronically.

Neither XXXX XXXX nor PNC Bank can provide information where my check is and the status of my payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Continental Finance Company, LLC
State: DE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had fraud on my account in XXXX. In XXXX a new card was issued to me and the full balance was transferred to my new card. Then credits were provided for the fraudulent charges equal to about XXXX. In XXXX the charges were reissued to my card seems they didnt document the card was lost/stolen and not in my possession. In XXXX I received a letter that the charges were credited dispute was resolved in my favor. I never received new credits after the rebill in XXXX. I have called this bank over 25 times spoken to mangers and mangers mangers. They all say they are submitting to the fraud department and I should see the credits within 2 days. Last time I called was about 20 days ago my account is overdrawn due to this my credit score has dropped over XXXX points due to this and I refuse to make another payment. They owe me the credits for the dispute being resolved in my favor. I also have an email for a XXXX who never answers supposedly he is working on mh case from day one. When I call the number on the letter from fraud department I get a voice mail no one calls back.

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 2022-01-20
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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