BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm a victim of XXXX data breach and I've been trying to correct my consumer report for months with no avail. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.

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 2023-03-06
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$780.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: ME
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:
Ive been unable to obtain my Equifax credit report for over a year now. When I applied for a loan they said Equifax has incorrect information for me. Ive tried to have them fix my account and update my information but nothing has happened. This has hurt my credit due to denial of a loan because of equifaxs poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I need your help negotiating with a mortgage company engaged in what I believe is deceptive practices. Let me briefly describe the situation. My wife and I have been devastated within the last 8 years by the loss of both sets of our parents to XXXX, as we were their primary care takers. Shortly after my wife battled XXXX XXXX and just recently went into XXXX. Coupled that with the cost associated with graduating two children from XXXX XXXX, and XXXX XXXX Universities. In addition to her receiving her XXXX 's and me a XXXX XXXX and we still have our youngest son scheduled to graduate from XXXX University in XXXX 

After enduring tremendous hardships, financial burdens and Covid -19 we went into foreclosure. But, we were financially able purchase home before auction in XXXX. But, in what I believe to be deceptive practices by the mortgage company. To steal our home we owe {$160000.00} on a {$280000.00} loan they switched mortgage companies at least three times. Each time not taking calls or returning emails. Finally, I was able to explain to the Judge at the last hearing how evasive they have been and she saw fit not confirm the sale of my home back to the same bank and gave me 60 days to negotiate with the bank. Now I'm still getting the run around from the law firm and the bank about starting negotiations. Meanwhile, I have a verified mortgage approval letter in hand. I want to schedule a meeting asap. 

Regards, XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Aargon Agency, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received notification of a XXXX debt from XXXX XXXX that was sent to collections back in XXXX caused by identity theft as I have never been a resident of XXXX. I was not informed until XXXX. I disputed it with Aargon Agency in XXXX XXXX XXXX, provided all the required information ; filed police report, proved I have been an XXXX resident since XXXX ( originally from XXXX  ). Agency told me that my account was successfully disputed. Just discovered on XXXX  that it is very much active and still destroying my credit. I am absolutely livid over this. They have not attempted any contact to collect this debt since speaking to them in XXXX  and it did not show up on XXXX XXXX where I typically check my scores. This has been secretly destroying me for years.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
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: Account information incorrect

Complaint:
I had insurance with XXXX XXXX in XXXX. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, XXXX XXXX XXXX is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over XXXX points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing. And I am unable to dispute this account with the credit reporting agencies.

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 2016-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I pulled my credit report on XXXX/XXXX/XXXX and noticed some collection accounts that I have never heard of before. The collection company in question PORTFOLIO RECOVERY ASSOCIATES claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XXXX/XXXX/XXXX via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the afternoon of XX/XX/2023 I recieved a call from a person impersonating Regions Bank saying that my credit card had been hacked and we need to shut the card down. When speaking to this person they had all of my banking information and personal information, and they asked me to verify so we could deactivate the card, so I did. Once this person was able to access my account, they made XXXX XXXX payments out of my account for {$17000.00}, {$39000.00}, and {$42000.00}. I learned about this on the morning of XX/XX/XXXX simply because when i arrived at work my employee notified me that my phone number had been hacked. I found out that when i was speaking with the person impersonating the bank that they had somehow activated my call forwarding and all of my phone calls were going to that person. As soon as I realized the last person who had called me was from the bank, I checked my account and noticed these transactions and immediately called the bank to get them stopped. I spoke with the fraud department at the bank, and they assured me that they would have this resolved in a matter of a few days and that no other action was needed on my part including no need for a police report. After checking on my account multiple times a day for the next few days and not seeing my funds returned i went to the branch and spoke with them in person on XX/XX/XXXX. When I was at the branch the lady pulled up on her computer that my funds were not there, and the reversal of the transactions just came in that morning and that they had not showed up as of Saturday XX/XX/XXXX, she was not sure why they hadn't showed the reversal before that time but she just brushed it off and said that we should be in good shape now since it was showing there. After meeting with the bank in person a couple weeks had gone by and then i was called by the branch manager and i was told that I needed to get a police report filed because they are now classifying it as an identity theft case. I was angry with him because i had asked on the first day of learning about the incident and i was assured that I did not need to file once because they handle these things in house and i would be taken care of. I immediately went to the sheriff 's department and filed a report on June 26,2023. Since then, we have filed a subpoena for all of the information from Regions Bank and they were to reply within 15 days, on day XXXX they asked for a XXXX extension and the prosecutor granted that. that extension. That extrension came and went and it was a little over 2 months before they provided the information and once we had it the information requested was not in the subpoena.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2022 I sent debt collector " Lakeview sub serviced by XXXX XXXX XXXX XXXXk '' a written request of debt verification and also a written itemization of the Finance Charge and Amount Financed on XX/XX/2022 it was delivered and picked up.

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 2020-01-09
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: Information belongs to someone else

Complaint:
My information has been compromised and I believe it is from the XXXX data breach. Multiple accounts have been opened under my name without my consent and now my credit took a huge hit because of it. I am someone who always pays their bills on time no matter what and this has caused me huge setback in my financial life because I had plans on purchasing my first home and now I can not due to credit rating. Please help me get this corrected thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Opened a new Citi Business Checking Account Within 30 days of account opening, made a deposit of {$30000.00} into my account. 
I maintained that balance for 60 consecutive calendar days. 
I am still waiting for my {$700.00} bonus

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 2019-05-03
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:
I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

There has not been a response to my disputes on XX/XX/XXXX nor XX/XX/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been over 30 days, and I havent received any investigation reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Lowe 's Credit Card since XXXX. My last purchase was in XXXX. I placed an order for a stove on XX/XX/XXXX. The order and payment method was approved. I only recently found out that the account was closed on the very next day, XX/XX/XXXX due to inactivity. The only response I have gotten is that I have to reapply for the card. However, the credit limit would be lower than what I previously had. 

The account being closed due to " inactivity '' doesn't make any sense if it was done so only after I placed an order. And now I am being told that there is no way to reopen the 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 2022-01-29
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Loan Depot XXXX. XXXX. I shopped around for mortgage lenders and compared fees. I ended up going with Loan Depot, Loan XXXX XXXX XXXX who promised me Loan Depot would meet or beat any lenders price and fees. XXXX also told me he would cover the costs beyond my deposited amount of {$490.00} required for the appraisal to get the appraisal scheduled. I was very adamant about not wanting to pay more than {$490.00} in total for the appraisal albeit on my credit card or added to the closing costs. He agreed and said he would cover it. I felt comfortable accepting his word because every time he said WE WERE ON A RECORDED LINE. When the appraisal was done, the costs of the appraisal {$1800.00} - {$490.00} were added to the loan. I asked him to fix it and he didn't respond for almost 10 days. XXXX XXXX who works with XXXX reached out to me for more documents which I immediately provided. I told XXXX to elevate the issue since I had not heard from XXXX and that LOAN DEPOT committed to cover the appraisal costs beyond {$490.00}. She said she would listen to the recorded calls. I then received a heated call from XXXX XXXX, XXXX 's manager who said XXXX did not make this commitment and that I either pay or they would refund my deposit and cancel the loan. I asked him to play the recorded calls to hear XXXX 's commitment and he wouldn't. I then got an email from XXXX 's replacement, XXXX XXXX, asking me to fund the closing amount on the loan. Also advising that XXXX was no longer with the company. I then called Customer Care at Loan Depot and after 7 tries, XXXX XXXX agreed to listen to the phone calls and call me back with her findings the next day. She didnt call so I called and talked to XXXX XXXX who put me on hold for about 3 minutes. He then told me management listened to the calls and didn't hear anything regarding a commitment for the appraisal costs. I asked to hear the recordings and the call logs to verify it against my cell phone which tracks this log and time duration of each call. XXXX said no and that he couldn't help me any further. I bought down to a lower interest rate and now rates are higher. I want this refinance. How to I prove Loan Depots commitment if I can't obtain the recorded calls? Do recorded calls only work for the benefit of the lender and not the consumer. Thanks, hoping for a positive outcome. Loan depot now closed my loan and plans to.refund my {$490.00}. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Viking Client Services
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received an " important '' phone message XX/XX/19 from Viking client services a debt collector telling me to call XXXX XXXX XXXX multiple calls after that with no message. My son received a letter from this company about XXXX XXXX making a claim for a debt he disputed in writing. He specifically requested no telephonic or electronic communications in writing to them but the calls to me continue. The phone ( My phone ) is not affiliated with my son. Why are they harassing me with their phone calls for a debt that is not mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Millennial Home Lending, Inc
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, On XX/XX/2022 I had an appointment at XXXX to finalize the signing of my new mortgage with XXXX XXXX DBA Millennial Home Lending. I signed all the documents but was not given any of the forms I signed including the three-day rescinding document, the payment coupons for where I make my first two payments to or any of the loan documents. He told me that he would go back to the office and copy them then bring them back to me. Then I receive an email telling me that he had closed the app and was not able to print any of the documents so reach out to my lender. I then reached out to XXXX XXXX and was told that they can not provide me any of the documents but that they forwarded them to the title company to have them send me a copy. I still have not received any of the documents.

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