BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have never applied for a loan/ credit with XXXX . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.

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 2019-06-30
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans Violates Escrow Agreement. 

The escrow agreement includes specific provisions for payments into escrow and disbursements from escrow. Insurance was fully paid for calendar year XX/XX/XXXXduring closing in XX/XX/XXXX. A disbursement of {$1000.00} to the insurance company is scheduled to occur in XX/XX/XXXX for calendar year XX/XX/XXXXcoverage. The cost of the homeowners insurance and the cost of taxes has not changed for the property since closing in XX/XX/XXXX. In XX/XX/XXXX Quicken Loans violated the signed escrow agreement by disbursing {$720.00} to XXXX XXXX without our knowledge or approval. Quicken Loans now states that an escrow analysis indicates a projected shortage and therefore payments into escrow must increase. Insurance and taxes are the only two elements in escrow. Since these elements have not changed, there is no basis for changing the payments into escrow. We have committed to making a lump sum payment in XX/XX/XXXX if an escrow analysis at that time indicates a shortage in the escrow account. The Quicken Loans escrow management personnel refuses to work with us to resolve issues relating to their violation of the escrow agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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  and transunion and XXXX  keep putting late payments on my credit one account even after I have provided documention that I was never late I disputed these late payments over a numerous of times they will fix it then turn around and put it back on there

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 2018-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
XX/XX/2016 I was in XXXX and was told that I was purchasing a vacation package that included a certain amount of vacation packages at a deeply discounted price, {$190.00} to {$290.00} per week. I never received any paperwork in the mail as I was supposed to. I tried numerous times to contact the company and could never reach anyone. I finally received a membership card to XXXX XXXX XXXX XXXX. I called them and they have no record of the vacations that I purchased. I then tried to dispute with Bank of America who charged me the {$3600.00} plus a {$100.00} foreign transaction fee. I got denied because they said I did not provide all the information that they asked of me, however, I sent them everything they asked for and eventually they found what I sent. They reopened the dispute and then I never heard anything. Now this month I see that the charge is out of dispute and due and I never got any reasons or response from Bank of America. I have received absolutely nothing for the {$3700.00} I was charged by XXXX XXXX and Bank of America has been no help at all.

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 2021-12-02
Company: EQUIFAX, INC.
State: TN
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 disputed accounts with Equifax that had unauthorized charges due to previous identity theft. These charges were not discovered for some time, and because of this I was unable to file a police report. However, I did submit the claim to the federal trade commission upon discovery. As a consequence, I disputed accounts associated with this identity theft and Equifax refused to remove the information. I attempted to submit a new dispute with a personal statement, FTC documents and other supporting information via the Equifax website and received errors for XXXX  days straight. I finally printed and faxed the information to Equifax and the subsequent dispute was still not a success as Equifax refuses to remove this damaging information. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. The associated account are as followed : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX In addition, Equifax continues to report XXXX on these closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
XXXX XXXX claims that I have a debt with them. I am disputing this debt with Equifax. Equifax claims to have evidence from the original XXXX XXXX XXXX XXXX that validates the debt. The evidence they have presented in no way validates this debt. It looks like something XXXX made up on their computer and submitted. I could make up the same thing thing on my computer and put Equifaxes name on it. I want to see a signed credit card receipt with my name on it. If they dont have that then I need to see a copy of the credit card agreement between me and XXXX XXXX XXXX. If they dont have that then I need to see the phone records from XXXX XXXX XXXX from when I activated this alleged credit card. There is nothing that validates this debt yet Equfax claims to have proof of debt from original creditor but they refuse to show it to me. What they have presented does not validate this debt in anyway. See the attached document that Equfax has presented as proof of debt validation. I have asked XXXX 4 times ( all 4 times I submitted my request VIA the XXXX SC XXXX ) to validate this debt and they have yet to reply. I sent my first request to XXXX through the XXXX XXXX on XX/XX/XXXX ). The only thing XXXX has sent me is proof that I have not paid them. They have yet to submit the first credit card receipt with my name on it. They have yet to produce the credit card contract or alleged contract. They have showed no proof except for an alleged bill from XXXX XXXX XXXX. I could have made that same thing on my computer and put their names on it. If Equifax has actual proof that validates this debt I want to see it. I did not have a credit Card with XXXX XXXX XXXX in XXXX. I do have an unsecured credit card with XXXX XXXX XXXX but it is in good standing. If they can not produce Credible proof of this alleged debt then I want XXXX ( AKA XXXX XXXX ) trade line removed from my credit report. I have also request debt verification from XXXX through the CFPB and have yet to receive a response. I have attached the last response I received from XXXX XXXX. ( This was not through the XXXX of CFPB ) This was a response to a e-mail I sent them asking for debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: M&T BANK CORPORATION
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In Complaint XXXX M & T sent a 68 page response to my complaint but never addressed my complaint that I am on my mortgage. All they address is contact to my late husband but the original bank addressed everything to me after my husband passed away. M & T took over the bank but has ignore this MAJOR issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: MO
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:
There's account discrepancies on my credit file, the account XXXX XXXX shows late payments from, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX, all late payments inwhich I never been late, I'm demanding that these discrepancies be fixed within your system, or please provide me actual physical documentation otherwise, and electronic Verification can not be accepted.

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 2018-01-27
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company continues to report failure to pay status ( over 120 days ) on my credit report in a malicious act to destroy my credit. I have copies of all cleared checks going back 12 months that I have to submit every month in disputes with this company. This company forces their debtors to use third party debt collector ( XXXX XXXX XXXX ) in their repayment process, at an upfront cost of {$500.00}, and automatic payments. These payments do not reflect against your debt balance. I refused to be tricked by these unfair collection tactics ( DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ), and sent my payment by check to the original company ( Army and Air Force Exchange Service ). On my checks I put my correct, ( Army and Air Force Exchange Service ) account number, but fees were still deducted and sent to XXXX XXXX XXXX. I have delivered copies of cease of unfair collection practices, and intent to file suit, if this action continued with this company. This will be my last step before obtaining legal counsel.

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 2017-09-13
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
And old account that I had with Wells Fargo that is paid in full, They claim that one payment was 30 days late. Which is false, the entire time I had the account there was never any late payments

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 2018-01-25
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my Chexsystems report from XXXX XXXX XXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to Chexsystems report. I attached my IG with my Georgia address, the only address I 've ever lived.

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 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After my identity was stolen, I later found that my identity has been seriously compromised and unauthorized accounts has been opened and closed in my name. And now I'm demanding that these accounts be blocked from reporting to my credit files. Please remove the following account. 

1 ) XXXX XXXX XXXX {$2000.00}

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 2018-01-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I would like to file a complaint. I was given a check for {$1800.00} and it was deposited on XX/XX/XXXX to my Chase Bank account. On the day of the deposit, only {$200.00} was available, and the rest became available the next day. I was then able to withdraw {$1300.00} in cash ( {$500.00} from an atm and {$800.00} from a bank teller ) and proceeded to spend the money. As of XX/XX/XXXX, the account that gave me the {$1800.00} was closed, so the money was returned, bringing my balance down to negative {$1000.00}, which Chase then charged me a {$12.00} fee for having a negative balance in my account. This is unacceptable. If I am able to withdraw money from a check that they cashed, that comes with the assumption that the check cleared properly, and I do not have to worry about the funds from that check disappearing on me. Now because I used the money that I thought was good ( since they allowed me to withdraw and use it ) and the account it came from got closed, my account gets punished for not being able to provide the money for the {$1800.00}, this is utterly ridiculous. You would think that a big banking corporation such as chase would have the ability to ensure that checks don't get refunded or denied before allowing a client to use the funds from it, but because of the companys oversight on this issue, I am left to deal with the consequences. Chase should have some sort of policy where they withhold allowing the client to use the money until they are absolutely sure that the money is good and the account it came from isn't closed. XXXX does this, so I would assume it wouldn't be difficult for chase to do the same. I understand that it is a courtesy to allow chase customers to use the funds within one business day, but I would rather wait to use the funds and potentially not be allowed to use them at all, then to be held responsible for having to pay {$1800.00} that I clearly do not have. Now because I have a negative balance, my account has been marked as *restricted* so I can not use any of the funds given to me by my own employers to even pay off the negative balance in my account. These policies are horrendous and do no service to the customer. Even worse, when I speak to anyone over the phone regarding this, I ask if it is possible for them to send me paperwork documenting their policies, or a transcription of our conversation and the universal answer I get is no. Please read through this and take note, I will be suing the company for being so irresponsible when writing up the policies for their customers. No one has been of help at all, and this needs to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXX XXXX 2010 eventually paying off Santander Lease Agreement with the hopes to transfer title to a new dealership and vehicle. 
Implications of a co-signer ; not needed. 
Smaller payments should be offered to me. 
Payments made on this account on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-02-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I'm making my payments every month but the total loan due keeps going up not down and I am not late in my payments! I even am making more than that minimum payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My dispute is with XXXX XXXX XXXX ( XXXX Visa Credit Card ) and Trans Union credit reporting. It started with an honest mistake with XXXX XXXX XXXX and one I owned up to, which totaled less than {$100.00}. It negated 20 years of great credit in one action made by Trans Union credit reporting agency. When I went to the Trans Union website to see my credit report there is little or no information. The whole website is set up to avoid personal contact and to get you to purchase additional information at a cost. By their actions my line of credit with XXXX XXXX XXXX went from {$5000.00} to {$500.00}. In my entire life ( I am XXXX yrs. old ) and 37 years in XXXX XXXX never been treated so poorly. As an XXXX I always strived to have any action I take be appropriate and consistent. I have never missed a mortgage payment since buying my first home in XXXX, WA. I have never missed an auto payment in my entire life. I have no credit card debit. I own my home outright. My truck is paid off. I am debt free. How XXXX XXXX XXXX and Trans Union came to the conclusion that I was a risk given my history is a question I would like answered. When I said I owned up to my initial mistake, here is what happened. I always pay my credit card off and try and maintain a XXXX balance. As a result I never saw a need to sign up for email alerts or notices and my card. Me and my wife purchased a XXXX during the start of COVID and she placed the monthly membership on the same card as we used to purchase the stationary bike. I immediately paid the bike off and was not aware the membership was going to go to that card. As a result 2 payments went by unnoticed. I was finally made aware or contacted about the issue and I immediately paid the 2 months and brought the balance of the card back to {$0.00}. Apparently XXXX XXXX XXXX lets Trans Union handle these issues and I have shared what their website and lack of communication looks like. I take pride in paying my bills and not owing anything. I cant tell you have this has impacted me and what I stand for. In my letter from XXXX XXXX XXXX denying my latest request for a higher credit line it paints me like I have a history of delinquency and multiple problems. I challenge XXXX XXXX XXXX and Trans Union to indicate to me what other issues they have that would lead to the decision that was made. I hope that your agency can lead to some sort of fair resolution and open communication. I am eager to hear back from you. XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2019 I sent a dispute letter to Experian. Disputing a medical collection account from XXXX XXXX XXXX. In that dispute letter i asked Experian for proof of verification for the account or delete it. An original consumer contract signed by me. Experian verified the account without sending me proof of any verification. Meanwhile i contacted XXXX XXXX XXXX to have this account verified, they sent a statement with my medical records on it but didn't provide a HIPAA medical records release. Violating my HIPAA rights. So I sent another dispute to Experian with documentation of the HIPAA Violation on XX/XX/2019, notifing them my HIPAA rights are being violated and that Experian is also violating my HIPAA rights if they don't provide me with a HIPAA release or delete this account. Once again Experian ignored my request and verified this account without providing me with proof of varification or a HIPAA medical release. I sent a third dispute only to get the same result no proof and no HIPAA release.

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