BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've received notices from companies XXXX XXXX and XXXX that there were some items on my credit report impacting decisions made towards my credit worthiness. Given that I just purchased a second home ( XX/XX/2018 ) and my current score is XXXX as of XX/XX/XXXX based on the information that XXXX XXXX ( XXXX XXXX XXXX  ). On the document it says the following : Several delinquent accounts High Balances ( two home loans ) I don't have any delinquent accounts and if I did, I wouldn't be able to purchase another home. I've reached out to XXXX  before about this issue and was given the run around. This agency never provide responses that are useful or makes changes. The information that they provided is never accurate.

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 2022-08-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I as the original creditor, the banks did not give me any notice that i can rescind or let me know we have the option to not let them report this on my credit report neither. 15 usc 6802 ( a ) opt out general a b & c. By law, insurance supposed to be included in all mortgages and car loans, 15 usc 1605 ( a ) # 5. Its against the law for banks to lend its credits anyway. Farmers & miners bank v. Bluefield Nat 'l bank 11 f 2d 83, 271 us 669. Their are many more violations. The banks have been getting away with it far too long now & they think we the consumers wont catch up with their financial fraud schemes. It's called promissory fraud. There is no money : read hJr 192. Every bill you get comes in a positive. They owe you when its in a negative. Everything is already paid for before you even signed anything. What they doing is illegal under art 1, sec 10, par 1 of the constitution. Their fraud makes the signature agreement null & void period. Fraud trumps any contract. And where is the banks signature? 

i never got the two copies of the rights i have so this is fraud. i am contacting the bank and gathering evidence for possible litigation. 

12 CFR 226.15 - Right of rescission. i after sending you notice of Rescission will discontinue to make payments of the car. if this car is not removed from my credit report i will seek remedy for damages. i never gave Permissible purposes 15 U.S. Code 1681b - Permissible purposes of consumer reports to disclose any of this information on my credit report. there are many violations. 

i will be sending formal letters certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: NV
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:
Experian has been stalling and not investigating the disputes about my credit report. I repeatedly receive the same computer-generated report each time I ask them to provide verification and address specific information. They ignore each request with a computer-generated response. They claim in their automated response that they verify information but that's not true because inaccurate and incomplete information is still being reported on my credit report. There are several violations that they fail to address or correct. For example, On one creditor it is reported 23 times that the account was charged off. One account can not be charged off 23 times. This similar situation is reported on other accounts. 11 charge offs for the same creditor, 21 times charge offs are being reported for the same creditor. More and more of these appear on my report. There is missing payment history that doesn't line up with the reported data on the report. Missing information. Balance histories that are not accurately reported. I have several accounts and each creditor is reporting wrong dates. Wrong information in the comments. I tried going directly to the bureau but this has gone on for months and now I'm upset. It has damaged my credit and I'm paying higher fees and interest because of their negligence and unethical practices when it comes to the consumer and reporting information. This isn't right and an attorney should look over this report and what they are doing.

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 2020-02-25
Company: EQUIFAX, 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:
I have fraudulent data on my XXXX  credit report. XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
I had an auto loan with Santander for my XXXX XXXX XXXX. I was involved in a car accident in late XXXX. I decided to purchase a new vehicle and the dealership that I was working with agreed to roll in the payment from the car that was totaled. As a result Santander was mailed a check for {$8700.00} on XX/XX/XXXX. My auto insurance advanced a payment of approx {$5400.00} to Santander as well because they were not aware that I had paid off the loan. This has resulted in an over payment. Santander posted the insurance payment before the payment from the dealership. They acknowledged the payment on their website on XX/XX/XXXX. I have contacted the company on 3 separate occasions to confirm that the payment that they acknowledged on XX/XX/XXXX is from the dealership. On every occasion they have said that they do not know where the check came from that they applied to the account. When communicating with this company today ( XX/XX/XXXX ) I was told that I would not receive my refund for over payment until approximately XX/XX/XXXX. When I asked what is causing the delay in receiving my funds they stated that there is a process and that is how long it will be. The will have had their funds for well over a month and there is still no clear indication of the dollar amount I will receive and really when it will be sent. I have reached out to them 2 times in writing and once by phone since this ordeal began. I am not getting answers or any information. I am not sure of what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions Inc.
State: MI
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 credit card reporting on my credit bureaus as a derogatory account. This account was included in my Chapter XXXX bankruptcy in which I listed it in my bill of matrix. This matter should have been removed once my BK was discharged. It is still showing on 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 2019-02-01
Company: EQUIFAX, INC.
State: GA
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'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit 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 XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX and XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions 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 expressed my concerns with synchrony bank along with XX/XX/XXXX and experian about this fraudulent account that is on my consumer report and each company refuses to delete the account from my consumer report. Even after i sent all the proper documentation including ftc identity theft affidavit. Furthermore not only does theXX/XX/XXXX trade line not belong to me they are reporting inaccurate information as well reporting a balance of {$4000.00} to XX/XX/XXXX and reporting a balance of {$4100.00} to experian that is proof that this company is reporting inaccurate information. Disregarding federal law that all information reported to a consumers credit report should be 100 % accurate i demand that this account is removed immediately. 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 non-monetary relief
Consumer complaint received 2021-12-02
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I locked in a XXXX XXXX fixed rate XXXX loan with Amerisave. Per the disclosure, the rate is good until XX/XX/2021. Over the next month, Amerisave repeatedly made basic calculation ( and other egregious ) errors with the loan including : XXXX. Misstating my income as {$5500.00} per month. I make ~ XXXX XXXXXXXX which averages to XXXX XXXX per month XXXX. Listing that I wanted XXXX XXXXXXXX in cash-out when I did not request any cash I repeatedly called the loan officer ( XXXX XXXX XXXX but did not get a response. I then contacted customer care for Amerisave. XXXX XXXX entered onto my file that he was in contact with me ( he was not ). He further stated that he informed me that my loan was closed due to my debt to income ratio. 

On XX/XX/2021, I asked that the issue be escalated and spoke to XXXX XXXX XXXXXXXX XXXX  Supervisor ) and XXXX XXXX XXXX ( XXXX of Sales ). They apologized for XXXXXXXX XXXX failure to contact me, and erronoeus statements that he had placed in my account. XXXX then asked XXXX to not contact me. XXXX ( XXXX ) informed both me and XXXX that some else would be assigned to my account. Shortly after XXXX spoke to XXXX, XXXX called me. 

I informed him that his XXXX stated that he was not to call me. XXXX went on to ask me to call XXXX and XXXX and ask them to place him back over my account. The conversation was completely intimidating and awkard. Later that night, XXXX XXXX called me back. He stated that Amerisave would not honor the locked in rate of XXXX XXXX at XXXXyears. I asked with all of the mistakes that Amerisave made and the extremely poor behavior from the loan officer could they honor the locked in rate. He stated no and offered me a XXXXyear at XXXX XXXX 

I have paid this company {$500.00}, and had been in a holding pattern for over a month been escalating the matter. I am requesting that they honor the offer they made ( yes I have the disclosure form documenting the locked in rate ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion Failed to Respond to my dispute after 2 requests have been made. 

On XX/XX/XXXX- I made an online dispute of 2 items on my credit report -which are really hindering my credit hence my future. I received no response. 

Secondly on XX/XX/XXXX - I wrote transUnion via certified mail return receipt- regarding their failure to respond within the required 37 days as stipulated under section 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) & ( 3 ) ( B ) of the FCRA. Yet again I received no response. 

TransUnion-has been unresponsive to both attempts, it has now been over 3 months from the original dispute. 
Attached please find copies of the corresponding documentation.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-02-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX ( a company that I keep receiving junk mail from ) keeps pulling hard credit inquiries on my account without my permission. I have disputed this several times with the reporting agencies to no avail. How do I stop this unethical and unauthorized hard credit pull from continuing to happen??? 

XXXX XXXX pulled hard inquiries on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all without my knowledge or permission. 

This needs to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, 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:
Equifax continues to report an incorrect Utah address on my credit report. I've submitted disputes and complaints with Equifax and the CFPB, Equifax will remove the address for a few months, but then add it back later. I'm constantly having to monitor my credit report because they consistently pull incorrect information. They have my info mixed with someone else and are incapable of fixing the problem. They have all of my other addresses in XXXX, I've never lived in XXXX. This has been an ongoing issue for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to obtain my credit report through Experian. When asked to verify my personal information none of the information presented was correct and it would not confirm my identity. I strongly suspect my identity has been stolen and I need the credit reports to assess the extent of the identity theft in my name.

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 2019-05-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, Wells Fargo ( WF ) did not execute a scheduled draft of {$3500.00} from my XXXX XXXX XXXX account into my WF checking account. This is a monthly draft scheduled for the XXXX of every month. Because WF did not execute the draft, my WF checking account was insufficient to pay my WF mortgage, which is set to draft from my WF checking account approximately 10 days after the transfer of funds from XXXX XXXX XXXX. 

I have spoken to your client representatives about this matter, and was informed that WF does not know why the transfer was not executed. Per Wells Fargo, the issue must be that XXXX XXXX XXXX rejected the transfer. However, I have spoken with XXXX XXXX XXXX several times, and they have no record of WF ever initiating a transfer on the date in question ( XX/XX/XXXX. ) WF also can not provide the supposed error code for the failed transaction. 

Please note : This is the second time I have had issues with WF executing a scheduled monthly draft, and in both instances, the missed draft occurred in XX/XX/XXXX. Last year, WF failed to initiate a draft because a certain number of days had not passed since the last scheduled transfer. WF ultimately determined this was caused by an error in THEIR  coding logic that did not take into account the shortened month for XX/XX/XXXX. They assured me that this would be corrected going forward, but clearly it has not been. 

I am requesting a full investigation of this REPEAT issue as well as a refund of the fees that were improperly assessed ( {$130.00} late fee and {$35.00} NSF fee. )

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 monetary relief
Consumer complaint received 2020-02-25
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I

n XX/XX/XXXX/XX/XX/XXXX I had 3 significant events that changed my life- a death in my family, an illness and unemployment, this the reason why I began to fall behind in mortgage. In XX/XX/XXXX,
I had applied for mortgage assistance and was given the run around for several months. At first I was told to send in my husband 's financial information including his pay check and his tax returns and  several months later I was told his income can't be included. So I applied for unemployment forbearance and was accepted for forbearance for 6 months. In those months during modification, I asked to pay down mortgage so I wouldn't get further behind. I was told by agent on several occasions that I would like to make a payment toward my mortgage and they refused to take payment. In XX/XX/XXXX ( XX/XX/XXXX-XX/XX/XXXX ), I  made every payment for the unemployment forbearance. At the end of the forbearance, I was told to apply for modification. The agent said I would not be able to use my husband 's income toward modification, but he can pay me rent toward property, which he did. He paid {$2000.00} for him and his son ( XX/XX/XXXX through XX/XX/XXXX ). We did as we were told by Chase agent and payments were made toward rent. I was informed in XX/XX/XXXX that the rental payments could not be considered. Also, I was told that my husband 's income could be considered at numerous times and then they changed their mind and said it could not be considered. I have asked numerous times can my outstanding balance be added toward end of the loan, so we can start making payments. Also, I made a call about reinstatement fee and they mentioned I a foreclosure was ordered last summer while I was in the middle of forbearance/modification process. Chase has no business being in the mortgage business, they are very manipulative and lied to me about the status of account on numerous occasions. They have purposely delayed the modication process so I would be further and further behind. Also, they basically told me there is nothing I can do since my loan will be sold in XX/XX/XXXX. This is frustrating as a long time customer of Chase mortgage and my household has an income to pay the mortgage. It's frustrating that we want to pay, but it has not been accepted for over a year. Chase has caused this problem, they need to rectify their wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed for bankruptcy XX/XX/2021, but I continue paying my mortgage on time and they accepted it. But on XXXX bill, they wont let me pay online just like before so I paid by phone and only asked for {$1400.00} instead of my usual payment of {$1400.00}. Then on XX/XX/XXXX, they said I have to pay an additional {$14.00} to complete my mortgage payment for XXXX. On XXXX bill, I was able to pay online again, but this time, it has an additional fee of {$20.00} for property inspection. Then today, XX/XX/2021, I saw an additional fee of {$320.00}, said its for attorneys fee and property inspection fee again. I asked if I get charged property inspection every month, she said shell transfer me to the bankruptcy department who dont pick up the call. I started calling at XXXX am XXXX time because they are based in Texas. I was very stressed because of frustration. The last call I made today was at XXXX am XXXX time, still no answer. I called XXXX in California but referred me to you as the mortgage loan server was Federally insured or licenced. I dont want to be late in my mortgage payment but I cant afford to pay the additional {$320.00}. I appreciate any help you can give. 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