BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Cross Country Mortgage to close on my current home at the behest of my realtor because XXXX XXXX was taking much too long. I had done a refi with XXXX XXXX on my previous home so I guess my credit score was lower than it should have been. Cross Country Mortgage insisted that I had to go FHA when I have had conventional mortgages for the past 2 homes. I had 20 to 25 % for the down payment and the said I still had to go FHA. I was not happy with this and voiced my issues with FHA loans but I had to close on my home so I had no choice. Then I find out the day before I got stuck with PMI and upfront PMI {$5500.00} which I questioned when I had 20 to 25 % down payment why would I need PMI. Could not get a straight answer from anyone so I called Cross country in right after the closing and asked them to remove the PMI. They sent me a letter with the criteria and that it could not be removed for 11 years. I am paying {$210.00} more a month in PMI. I have called a few times and get no answers and help and spoke with my sales person, The last call I made I was told I have 81.1 ltv when I should have under 80 ltv and that is why I can not remove my PMI. Sounds like they lie to to their clients as much as they can. Why would I take PMI when I am trying to retire in a few years, I am XXXX XXXX old.If I refinance into a new loan the rate will be higher and it will cost me between 7,000 and 10,000. I would like my upfront PMI payment back and the monthly PMI removed from loan,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$2100.00}, XXXX XXXX XXXX Balance : {$9300.00}, XXXX XXXX XXXX XXXX Balance : {$8200.00}, XXXX XXXX  XXXX XXXX XXXX {$8500.00}, XXXX  XXXX XXXX Balance : {$230.00},

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 2018-09-16
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
There are several hard inquiries on my report that I did not authorize and customer service will not remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX XX/XX/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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : 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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several address ' listed for me that I never lived at. One of them is actually someone that hacked into my account and committed fraud. The other address ' either belonged to my ex-boyfriend, my ex-husband or my brother, but I never lived there : XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX ( my ex-husband lived there ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( my brother lived here ) XXXX XXXX XXXX XXXX, TX XXXX ( this was my ex-boyfriends. I never lived there ) XXXX XXXX XXXX XXXX, TX XXXX ( again this is my ex-boyfriends house. I never lived there ) XXXX XXXX XXXX XXXX, TX XXXX ( this was my brother 's apt ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( this was the person that hacked into my accounts and committed fraud ). I filed a fraud 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 2019-06-03
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit reporting agencies are continuing to report inaccurate information on my credit file, accounts that are not mines, inwhich I'm holding them accountable for, for reporting un verified accounts. Accounts inwhich has not been physically verified by physical documentation but by electronic Verification alone, inwhich by law and as a general rule can not be accepted as proof .So I'm demanding that either these accounts be physical verified or block these accounts immediately. 

1 ) XXXX XXXX  2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX {$8800.00} 6 ) Dept of Education {$4500.00} 7 ) Dept of Education {$3500.00} 8 ) Dept of Education {$2200.00} 9 ) Dept of Education {$2100.00} 10 ) Dept of Education {$2000.00} 11 ) Dept of Education {$1700.00} 12 ) Dept of Education {$1700.00} 13 ) Dept of Education {$1300.00} 14 ) Dept of Education {$1000.00} 15 ) Dept of Education {$1000.00}

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 non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I

want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received two emails around XXXX on XX/XX/XXXX from Capital One that there was a checking account opened in my name that I myself didnt open. I already called them and they said theyd deactivate the account. Ive also contacted XXXX XXXX, XXXX, and XXXX to freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
TransUnion is refusing is in violation of the FCRA and refusing to remove outdated data from credit reports unless forced. TransUnion continues to violate 15 U.S.C. 1681, even though their computerized systems allow them to update and drop outdated datsa from consumer files YET they refuse to do causing consumers to constantly do their job for them. 

TransUnion keeps inquiries on credit reports beyond the two year mark causing damage to credit scores and financial damage to consumers including myself. 

I am seeking punishment of TransUnion by the way of civil penalties, fines, class actions status, and administrative sanctions, up to and including restrictions of TransUnion from conducting business in the United States for a period of ten years for repeated violations of the FCRA. 

TransUnion has been very dismissive and blatant with their violations of the FCRA and continue to violate the law because this agency has been lax with enforcement of the FCRA AKA Fair Credit Reporting Act 15 U.S.C. 1681. 

The following data is still being reported in violation of the FCRA by TransUnion on my credir report : Inquiry 169 Inquiry Date - - 2015XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry 170 Inquiry Date - - 2015XXXX Creditor Name - - XXXX  Creditor Address - - XXXX XXXX XXXX XXXX XXXX DE, XXXX Creditor Phone - - XXXX Inquiry 171 Inquiry Date - - 2015XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry 172 Inquiry Date - - 2015-XXXX-XXXX Creditor Name - - XXXX XXXXXXXX XXXX  Creditor Address - - XXXX XXXX XXXX XXXX MN, XXXX Creditor Phone - - XXXX Inquiry 173 Inquiry Date - - 2015-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX OH, XXXX Creditor Phone - - XXXX Inquiry 174 Inquiry Date - - 2015-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry XXXX Inquiry Date - - 2015-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX. XXXX TN, XXXX Creditor Phone - - XXXX Inquiry 176 Inquiry Date - - 2015-XXXX-XXXX  Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry 177 Inquiry Date - - 2015-XXXX-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXXXXXX XXXX DE, XXXX Creditor Phone - - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$270.00} XXXX  XXXX  XXXX {$560.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$3400.00} XXXX  XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$60.00} XXXX  XXXX {$8000.00} XXXX  XXXX {$17000.00} XXXX  XXXX {$1300.00} US DEP ED XXXX {$2000.00} XXXX XXXX  XXXX {$110.00} USDOE/XXXX  XXXX {$1400.00} XXXX  XXXX {$93.00} XXXX  XXXX  XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX  XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018 Santander Bank removed without notifying me {$3400.00}. Seems someone claimed that they sent funds into the wrong account. Seems to me that anyone can make a claim of doing this but can they show proof. Seems that the banks do not demand some proof of this. Thereby creating a back door for scamming and thief. 
i have gone into my hangouts account and have printed a portion of my conversation with XXXX XXXX showing that the funds were sent to the account specified and to me. I have added those pages to this complaint. One must remember that there is no way to print out a conversation or partial conversation for hangouts. One must copy and past to XXXX or a writing  software. 

The individual to call and confirm is XXXX XXXX her phone number is XXXX It is a XXXX number. Seems the funds were put into Ms. XXXX XXXX 's XXXX 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 2018-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
in XX/XX/XXXX I called Bank of America and asked if my credit card XXXX XXXX XXXX XXXX had any 0 % interest offers. I was told yes, by the agent I was talking too. I told him I only wanted a check that could be deposited into my Bank Account.for cash. 
He sent and I received check # XXXX. 0 % interest rate until XX/XX/XXXX Offer ID XXXX XXXX which must be used by XX/XX/XXXX. 

On XX/XX/XXXX I deposited into my chase personal bank account ending in XXXX the Bank of America check # XXXX for {$8000.00}. 

It was not until XXXX of XXXX that I noticed that I was not receiving the 0 % interest on the {$8000.00} as promised. I called the bank and was told that because I deposited the check for cash I was not eligible for the 0 % interest rate. Over the past 2 months I have talked to three managers. The first two said they would get back to me and never did. The third manager Ms. XXXX XXXX replied to me yesterday XX/XX/XXXX. She said she had a best offer which is reducing the current interest rate of 14.99 to an interest rate of 11.99 on the {$8000.00}. I asked if she would put it in writing and she said " no '' In summary I am very upset about this matter. I feel cheated!! 
Thank you for your attention 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 monetary relief
Consumer complaint received 2018-07-20
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On numerous occasions, PNC representatives had made monthly payments on HELOC loan ( acct # XXXX ) nearly impossible. Due to prior bankruptcy in 2009, they do not have to provide statements of when or how much payment is due. On several instances, they refused to accept payment on account from my wife as she is not on the loan account. Being a HELOC loan, the amount due changes monthly and they will not divulge if the payment is sufficient or not. This may or may not have led to my prior dispute of erroneous negative information appearing on my credit report of over 12 months of being late on my payments. While trying to pay off primary mortgage and HELOC loans, PNC was very restrictive and uncooperative in providing information. They have not provided history of payments as requested by myself and prospective loan officer. As of this date, they are still holding up closing on a refinance loan due to erroneous negative information on my credit report and refusal to provided payment history and payoff information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery. 

I have asked them to stop calling me. I have received papers in the mail about the debit. They call me from several different numbers at least twice to 3x a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  credit card was sold to XXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to XXXX XXXX. It was XXXX XXXX who settled my account with me, comments on my account should be paid and settled account. Paid charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company has asked that I pay a debt for acct # XXXX  : that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of XXXX XXXX records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, Midland keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : 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 2023-01-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I thought I was talking to a loan officer, I had given him all of my information. This included my Drivers License number and banking account number because funds we suppose to be deposited into my Chase bank account. He deposited money into my bank account in turn I was told to buy gift cards. He had access to my bank account Chase will not take responsibility and will not pay me back the money that he backed out of my account. He backed out XXXX, XXXX, of my Car payments and my Condo payment and my HOA payment as well as doctor payments and other bill payments such as my XXXXXXXX XXXX bill I had made on the dates of XXXX XXXX through XXXX XXXX with a total amount of {$8100.00}. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019, One Main Financial illegally obtained my credit file. I called One Main to explain I did not authorize them to pull my credit. One Main told me to dispute it with XXXX. I explained that XXXX would require a letter from them to remove it, yet One Main refused to remove the inquiry. Today, XX/XX/2019, I contacted XXXX, per One Main 's suggestion. Just as I told One Main, XXXX requires a letter from One Main. I did not authorize this inquiry into my credit file, and neither XXXX, nor One Main will remove it. This is ONE MAIN 'S obligation and duty to request removal through the credit bureau ... NOT MINE. They illegally obtained my credit file.

Company response to consumer: Closed with explanation