BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-08
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:
I filed a dispute in regard to the items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
HSBC was not allowing mo to pay my loan over the phone. I tried several times but it failed. The automated system was telling me that my payment was submitted successfully   but then he payment never should up and i was keeping on being charged interest for a full month extra. I tried over 5 times to make payments in that month but everything was failing. I was away on vocation so it was impossible for me to go into a branch and make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: IL
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:
please remove these inaccurate unverifable accounts. i sent a letter 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute about fraudulent and inaccurate information on my credit report. And Trans Union and XXXX  are still reporting the information on my credit report illegally. At first I sent them the police report about my identity being stolen and they still didnt fully complete their investigation. They either said they can't honor my request or they verified the items. Which is illegal, how can you verify a fraudulent account? Im attaching the two letters I sent. These companies are still legally reporting. They also are taking forever to reply to my claim which is also against the law. I even filed a complaint with FTC and I plain to sue if necessary. I sent my first letter months ago, and they are still illegally reporting inaccurate items.

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 2019-02-19
Company: Experian Information Solutions Inc.
State: VA
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:
Per the Federal Service Desk Request and as it pertains to inaccurate public record information surrounding the address of XXXX XXXX XXXX XXXX, VA XXXX. This address is registered to XXXX XXXX XXXX and the only business that should be identified with this address is " XXXX XXXX by XXXX '' from XX/XX/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 2020-09-03
Company: U.S. BANCORP
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Closed RV loan with new buyer from out of state XX/XX/XXXX. Oregon Title was to be sent to me, sign title, and forward on to new owner in XXXX WA. I called US Bank ~12 days ago ( XX/XX/XXXX ) asking why I had not received title. Customer support person " XXXX '' took my call. He indicated title had never been sent and it would be sent ASAP. I asked for email or phone verification when title is sent. He indicated yes he would do that. I recalled yesterday ( XX/XX/XXXX ) asking AGAIN where title was and why I had not received it. Customer agent " XXXX '' took my call. After lengthy wait on phone, she indicated release of lien could be faxed or snail mailed to me. I asked where is the title? She indicated they did not have DIRECT contact with US Banks title division. I asked to speak to manager. They assigned " XXXX XXXX '' to my case. I asked him if he could call the Title division. He said No they can not call them directly. He indicated he would EMAIL them and ask why I have not received title and if it could be expedited. If it has been lost, he indicated release of lien could be sent to me. I asked if it could be done overnight and he said NO. I has since called XXXX XXXX today XXXX XX/XX/XXXX XXXX and left vm for him. I have now waited more than two months for the title for this rv. The new owner has contacted me asking where the title is and why he has not received the signed over copy from me. I do not have an answer for him. He is unable to register the vehicle in WA without title or release of lien.

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 2023-08-08
Company: EQUIFAX, 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:
I have an account that has been confirmed to be fraud. Please make sure that the bureaus follow through that the account is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a mortgage with Wells Fargo Home Mortgage. I've had this mortgage for 12 /12 years, which I am trying to refinance since I divorced my wife and it's a stipulation on the divorce decree. The home is worth close to {$700000.00}, the amount left on the note is approximately {$270000.00}. I started the refinance process back in XX/XX/XXXX and Wells Fargo keeps asking for documentation that I have provided time and time again. Back in XXXX my now ex-wife and I filed for bankruptcy and the bankruptcy was discharged in XX/XX/XXXX. The bankruptcy doesn't even show on my credit report anymore, but since my ex-wife 's name was on the current mortgage, I was asked to provide a copy of the divorce decree that showed that she didn't have any interest on my home. Wells Fargo keeps asking for documentation on the bankruptcy, which I have provided, which at this point is irrelevant, and XXXX XXXX, the so called Home Mortgage Consultant keeps ignoring my e-mails and phone calls. At this point I know that this is discrimination, because when I was married to my ex-wife who's XXXX, we had no issues with Wells Fargo Home Mortgage, but now that it's only me, who I'm a XXXX person, I get no responses and keep getting ignored.

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 2020-10-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've tried multiple times to resolve my complaint with PennyMac Loan Services but they continually fail to do so. Their " Priority '' Complaint Specialist, XXXX, will say anything to get a problem to go away and refuses to acknowledge all of PennyMac 's negligence. When applying for a highly time critical purchase loan for an investment property, the company failed several times to properly and timely communicate, additionally to accurately address my file. The company filed to accurately review my file, did not respond five ( 5 ) times during an open application during this critical time period - it was not until the sixth ( 6th ) attempt that someone did return my call. Most recently another team member, XXXX ( XXXX ) XXXX, was to also to contact me to further discuss this matter. Naturally he never called. Very typical for PennyMac. I don't see how this this company has a license to lend or really do anything. There are laps and failures at all levels. 

Never properly reviewed my financials, never contacted me with any questions, and later I found out that they double counted a mortgage payment and my auto payment. - Note that XXXX called this ( multiple times ) a " Complex '' review. 
Six ( 6 ) attempts to reach someone during my application. The first five ( 5 ) were never returned. XXXX refuses to acknowledge this ; probably to the gross negligence that it was on their part. 
No other company who reviewed my financials had any problem and even said I could qualify for much more. 
Only declined after I have filed complaints. Retaliation by PennyMac.

Unfortunately they caused me critical time that significantly impacted me financially in addition to a great deal of stress. 
Most recently another team member was supposed to contact me. NEVER called. Not that I expect anything different from him, just continues to show the character and lack of leadership at PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The alleged debt is from a previous landlord and this matter was resolved in XXXX XXXX Municipal Court under Case No. XXXX  XXXX  XXXX via Magistrate Order on XX/XX/2019. The landlord attempted to file an eviction, I placed the money in an escrow account in court and filed a counterclaim against the landlord because 1 ) I had documentation showing that the rent was paid as agreed 2 ) they charged an illegal eviction fee to my account 3 ) I had sworn affidavits from tenants who experienced the same deceptive business practices from this landlord. I entered into an agreement with the landlord 's attorney to dismiss my counterclaim and they would dismiss their claim if I moved out of the unit " on or before XX/XX/2019 '', which I did. Even the money in escrow was returned to me, as opposed to being granted to the landlord. The Magistrate 's Order states " PURSUANT TO SETTLEMENT BETWEEN THE PARTIES DEFT AGREES TO VACATE THE PREMISES ON OR BEFORE XX/XX/XXXX. 2019. THIS ENTRY DOES NOT PRECLUDE PLTF FROM RECOVERING FUTURE DAMAGES BEYOND NORMAL WEAR UNDER CHAPTER XXXX OF THE OHIO REVISED CODE THAT IT MAY SUFFER. '' The landlord has submitted ( significantly inflated ) charges to the credit bureau that were not to be included per the agreement and magistrate order. I disputed this with the credit bureaus. XXXX  removed the debt, XXXX  and XXXX  have not. I have contacted the collection agency directly to dispute the debt, they have not responded.

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 2020-10-25
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$32000.00}, {$4700.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.

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 2020-05-19
Company: Equinox Counseling Services
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Equinox Counseling services offered credit repair services to my client based upon the recommendation of a lending officer. Under CROA under 1679b. Prohibited practices, it is prohibited to collect any payment in advance for credit repair. Equinox Counseling Services charged my client {$940.00} up front and when I confronted her in an email she stated she collected the monthly fee 's in advance, but when asked how many months and if she could refund the money because client would not continue with her she never answered my email or phone calls. My client also asked to cancel the same day after he told me he signed up with her and when he talked to XXXX XXXX, she said he couldn't cancel and get a refund because she had already sent out the dispute letters. In Texas, they have a 3 day cooling period and she said he didn't qualify. After emailing XXXX and confronting her and demanding answers, my client called me the next day and stated he didn't want any problems and she hadn't called him in 2 weeks until I messaged her asking for a full refund to my client since she violated the CROA. Now my client has mentioned to me he does not want any trouble and that he will put his home search off for a few months. This comes the same day after I had emailed her again. Also, after many attempts to get in touch with the mortgage lender I finally got a call back and the lender told me that many people from his office were leaving the business for this type of home loan. My client then calls me and tells me that the loans will be available at the end of this month. Whether he purchases a home or not, I don't want anybody else to be taken advantage of, especially, a client like this who puts his trust into me. If you need screenshots of the emails, XXXX messages ( which they never responded either ) and/or phone calls, please let me know and I can provide that. She stated in her own email that she had charged the money up front.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I would like to file a formal complaint with usaa Usaa refinanced my loan I refinanced my loan in XXXX and they forgot 2 out of the 4 parcels and all my taxes except for my school taxes on my main lot thats on the loan. 
Because they forgot my two parcels in the back I think that I am over 100 % when I refinance my house they are not willing to make things right My house payment on my contract for my refinance was supposed to be XXXX as of right now its XXXX they conned me slandered my name told me I did not provide them with all the information but that is incorrect I sent them the only taxes that I had at the time and it was my school tax for both parcels they missed they missed it and blame me the whole six months from XXXX until XXXX that it was my fault and I have to just deal with it if you need any paperwork on my loan I will immediately send it Its not just me but I feel that if they XX/XX/XXXXup my loan this bad there has to be a lot more people that are dealing with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Experian Information Solutions 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:
I have a closed credit card on my EXPERIAN credit report with late payments that are negatively affecting my XXXX XXXX. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with Experian, but have not been successful. I really need and would appreciate some 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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My credit score has dropped significantly in the last 30 days and all accounts have been paid at 100 %. When contacting the company i.e Transunion & XXXX I received a statement simply stating my score is accurate. I monitor my credit consistently and see no negative information. There is no information noted as to the reason for such a decline in my 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 explanation
Consumer complaint received 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX ( I have no knowledge of this account. ) 2. State Of XXXX/ Collection Unit ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) 4. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been valdated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.

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 2023-03-01
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:
*Transunion has ( 2- XXXX  XXXX accounts reporting ) : [ 2nd account ] XXXX and XXXX only of XXXX. [ 1st account ] 60 days late XXXX XXXX, 90 days late XXXX XXXX 120 days late XX/XX/XXXX. *Transunion also has a XXXX XXXX XXXX XXXX account that has ( 2 ) late payments on it. Late payments need to deleted and account needs to be updated to paid on time. According to : XXXX15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction } - Transunion : - The ( 2 ) XXXX XXXX XXXX XXXX - XXXX XXXX My Privacy is everything and the Consumer Reporting Agencies must protect it in accordance to 15 USC 1681 ( 4 ). But, they don't, they have allowed the reporting of any and every account without my written consent.

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 2020-09-09
Company: CBC Companies, Inc.
State: AR
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:
XXXX  AND XXXX  HAVE A UNAUTHORIED CREDIT FREEZE ON MY CREDIT FILES.

Company response to consumer: Closed with explanation