BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2018-03-15
Company: Flagstar Bank, N.A.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I obtained a mortgage from Flagstar 3 years ago. We were initially told our PMI would be waived after 2 years, we are now in the final stages of the PMI waiver process. Our account has met all of the requirements, we just needed confirmation with a BPO that our home value has not decreased in the past 3 years. 

We had a BPO conducted in XX/XX/2017 and that BPO was facilitated by XXXX using a local broker that specializes in foreclosures. My concern about using brokers that specialize in foreclosures is that this will likely result in a lower assessment of a home, since they are basing their assessment on an home that has not been cared for and are in financial crisis. When our BPO came back, they had indicated that the value of our home had decreased by $ XXXX in 3 years. Considering that we had recently completed a remodel of over $ 100k and live in an area that was a hot real estate market, I was pretty confused. When I reviewed the BPO data, it was clear that they had based their assessment on false data. They compared our home to homes with few bedrooms, bathrooms, garage spaces, square footage, etc ... After bringing this to Flagstars attention, the broker updated the BPO and was still showing a decrease in value of $ XXXX. 

We provided properties that were an exact match to ours that were selling for well over what our original appraisal was. Over the last 7 months, I have made numerous phone calls, sent multiple letters and still have no resolution as to why the 3 properties I provided are not being used for the BPO. The only response I have been given is that the properties had been remodeled. 

Flagstar has access to all of the data. Pictures of our remodel. A written description from the Broker that completed the BPO indicated that we had our home remodeled with VERY EXPENSIVE upgrades. Flagstar also has the data referencing the amount of money we spent on our remodel since we used them for our loan. They also have our property tax information from the last 3 years showing our escrow continues to increase to pay our increasing property taxes because the home value continues to increase each year. Yet, Flagstar, XXXX and XXXX XXXX are unwilling to revise the BPO or provide any explanation as to why our home would not be comparable to the properties provided. Flagstar also appears unwilling to review and leverage all the data points they have that would clearly indicate our home has not decreased in value in order to waive the PMI.

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 2021-09-21
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to CHFA, and they stopped paying my hazard insurance from escrow, I got my own policy and sent them the declaration page following the directions on the website - 4 times! I finally got someone to listen to me and was told I should apply for a loan modification, I can't afford the XXXX XXXX  monthly escrow increase for the lender placed insurance plus the policy I'm carrying on my own, but no one cares to look into it for me. I filled out the loss mitigation application, and after a month of no response I sent an email to them, I finally received an apology and a list of paperwork I needed to submit, most of it I had already submitted. finally after another month of sending paperwork over and over, I received a notice that my loss mitigation application had been accepted, along with a certified letter stating my loan was in default, That's when I found out my XXXX XXXX had dropped XXXX points, and I started receiving daily collection calls.. after more than a month I received notice that I was given a forbearance, and had seven days left before my payments were to resume. I have 2 credit cards that have reduced my credit limit to my current balance, which increased my debt to credit ratio reducing my credit score even more. I still cant afford the payments, but I was going to pay everything but the increase in the escrow, turns out they wont take a partial payment, so it appears I have to continue defaulting on my loan. I can't refinance because they destroyed my credit, ( it's called dual tracking, which is illegal ), also according to the forbearance letter - I need to make arrangements to pay back my forbearance, so I'm in worse trouble than before. I'm XXXX, and I care for my XXXX XXXX were both on fixed incomes and have only lived in this house for 2 years, and my mortgage has already gone up more than the two of us can afford. I'm hoping to find an attorney to protect my interests, I've used my mortgage money from the last couple months to buy a new heater for the home. so my heating bills don't eat me alive this winter. All I need is to get my mortgage back down the point I can afford to pay it, and CHFA just keeps ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX an application was put in XXXX XXXX XXXX, by my husband, with me as co-applicant. Without my permission to use my name and social security number. Also on XX/XX/XXXX these other companies were contacted. 
2.XXXX XXXX 3.XXXX XXXX 4.XXXX 4. XXXX 5.XXXX XXXX XXXX 6.XXXX 7.XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX. ALSO ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX AND XXXX XXXX all of these businesses said I was an co-applicant on the applications with my husband being the primary applicant

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 2021-09-21
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: Investigation took more than 30 days

Complaint:
I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly I am now demanding all information be removed accordingly. I am attaching the documents in this file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Attorney XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are in violation of the Fair Debt Collection Practices Act. 
They purposely sent a summons to appear in court XX/XX/XXXX to an address that was never my residence in Michigan. I have been living in XXXX since XXXX. I received a response from XXXX XXXX XXXX Attorney for Mindland through the CFPB site XX/XX/XXXX, stating that I should contact XXXX to resolve the matter and that no action of garnishment will be taken. No one was willing to assist me. However, I have been garnished for the wrong amount and my livelihood has been impacted to me losing everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EdFinancial Services
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The company ED Financial has placed two accounts on my credit report since XXXX. I have no knowledge of this account. My student depts were paid when I filed for chapter XXXX in XXXX. I have schedule of all payments made on all creditors. The company refuses to provide any details regarding this account and continues to reflect on my credit report. EDFINANCIAL SVCS Details Account # XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$7000.00} Balance Updated XX/XX/XXXX Original Balance {$2700.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 180 Months Responsibility Individual Your Statement - Comments Student loan - payment deferred Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX View All AccountsPreviousNext EDFINANCIAL SVCS Details Account # XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$18000.00} Balance Updated XX/XX/XXXX Original Balance {$9200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 180 Months Responsibility Individual Your Statement - Comments Student loan - payment deferred Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Incomm Holdings Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
I made a purchase of {$120.00} with a vanilla pre-paid card on the website XXXX XXXX  XXXX on XX/XX/21. I did receive a confirmation email of the purchase. The next day I realized that they charged my card {$120.00}, almost the full amount of the card. I tried contacting the company by phone, email, and messenger. The phone numbers are disconnected, and no response has been given by email or messenger. I then called vanilla card company and requested they stop the pending charge. They refused this request and told me to call back after XX/XX/21 when the charge was finalized to dispute the amount. When I called back on XX/XX/21 I was told that it was impossible to dispute the amount, and I must have agreed to the charged amount. I was told that it sounds impossible I was charged more than what I agreed to. When I asked to speak to someone else, I was put on hold for over 10 minutes and then I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: LendUp Loans LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, XXXX and I reached an agreement to pay off my two loans in full. Agreement were reached for two accounts that I have with XXXX. Pay off for the first account ( Contract # XXXX ) was for {$300.00} and the second account ( Contract # XXXX ) was for {$360.00}. LendUp received the two payments by their e/mail dated XX/XX/2018 to me for both accounts. Can't closed second account because it still shows a balance {$1.00}. Tried resolving issue with XXXX on XX/XX/2018 by phone and was unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22
Company: EQUIFAX, INC.
State: CT
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:
Equifax ( not sure where they get their info from ) had my legal name as " XXXX '' XXXX and not XXXX, so I noticed this and called to correct it, quick fix and it was all correct. then all of a sudden with this info a new entry to my credit profile was added, a collections, a FRAUD collections. So I called up, explained the situation, they said they would mark is as fraud to have it removed, Ok great. Then I get a letter in the mail stating the item was VERIFIED ... .. I called today to ask how that's possible and was told " They said it was valid '' sooooooo the Fraud that was put on my profile THOSE PEOPLE said it was valid and Equifax believed them '?? '? This would be funny if it were not true. So anyone can place an almost {$40000.00} entry to your credit profile and it can not come off unless the scammers agree you don't owe it '?? LOL Equifax 's " Investigation '' is literally them asking the Fraud " is this his '' they say YES " ok we believe you '' On what planet is that an " investigation '' '? I offered to get a police report they said " The Creditor would still have to agree to remove it '' This is holding my credit hostage to get $ XXXX from me and Equifax is assisting in the fraud and should be charged with fraud. FYI my credit score was over 800 before this and is now XXXX so I WILL be looking for damages to my financial well being if this is not corrected in 30 days of this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Concurrently I am trying to resolve the issue with the collection agency. They are listed as XXXX XXXX and I have looked for their ability to legally collect in the state of Arizona through licensing and being bonded in accordance through AZ law, and IRS regulations along with validity of the original debt and signed contracts through the Credit Reporting Agency 's XXXX  and TransUnion

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 2019-06-12
Company: EQUIFAX, INC.
State: HI
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
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:
XXXX XXXX has pulled my credit several times causing hard inquiries bringing credit score down, when request once in XX/XX/XXXX and XX/XX/XXXX both paid for by loan officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Credit Adjustments Inc. calls me numerous times every day at all hours for several years, will not state who they are trying to reach or what their calls are in reference to. They call from " dummy '' phone numbers that do not identify who they are, calls have a local ( XXXX, OH ) prefix. Credit Adjustments Inc. is in XXXX OH. They called me today from XXXX, a XXXX XXXX Ohio prefix. 

I do not have any debts other that normal debts such as house payment, auto loan, and 2 student loans that are current on payments. 

Old debts from a XX/XX/XXXXChapter XXXX Bankruptcy were discharged in XX/XX/XXXX after completing the plan. I have no idea if they are trying to collect on an old discharged debt. They refuse to say. 

I do not know if they are trying to collect an old debt because they refuse to say. They refuse to send written information as required by law after 5 days. This has been an ongoing problem for several years with these harassers. 

There is nothing on my credit reports to indicate the possible nature of their continued harassment. The one time I answered the phone and tried to get the woman to tell me who she was calling for and why, she refused unless I gave her my name and SS number which I of course did not do.

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 2018-03-15
Company: Experian Information Solutions Inc.
State: MN
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:
I have put in disputes to XXXX, Experian and XXXX regarding 2 accounts from XXXX XXXX   that are too old and should be deleted from my credit reports. The information is incorrect and recently they updated the status without my permission and now it has reactivated an account that was paid in full and closed over 10 years ago. Also, I have an account with XXXX XXXX that was paid in full and closed by me that I asked to be deleted/removed and it also shows an update in XX/XX/XXXX. This account was to be deleted/removed in XXXX. XXXX XXXX has documented my accounts inaccurately. They said they changed the account to a shorter account number but kept reporting information under both the original account number and the new generated account when the first account was closed 10 years ago.

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 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I have put in disputes to TransUnion, XXXX and XXXX regarding 2 accounts from XXXX XXXX   that are too old and should be deleted from my credit reports. The information is incorrect and recently they updated the status without my permission and now it has reactivated an account that was paid in full and closed over 10 years ago. Also, I have an account with XXXX XXXX that was paid in full and closed by me that I asked to be deleted/removed and it also shows an update in XX/XX/XXXX. This account was to be deleted/removed in XXXX. XXXX XXXX has documented my accounts inaccurately. They said they changed the account to a shorter account number but kept reporting information under both the original account number and the new generated account when the first account was closed 10 years ago.

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 2018-03-15
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have had a Home Equity Loan with Wells Fargo Bank. I have made timely payments throughout the duration of this loan. Today I learned from a third party that my Home Equity Loan with Wells Fargo Bank has been converted to a home mortgage in the sum of {$220000.00} with a different account number. A recent home appraisal shows the present value of this home as {$230000.00}. Upon further scrutiny, the statement I have received from Wells Fargo for this month, payment due XX/XX/18, indicates a different loan number with payment being payable to Wells Fargo Home Mortgage instead of Wells Fargo Bank. Last month 's statement simply indicates the usual Home Equity Loan information, so this change by Wells Fargo was made quite recently. 

I have not applied for a home mortgage from Wells Fargo! I have not received any prior notice from Wells Fargo that my Home Equity Loan was being converted to a Mortgage! This conversion to a home mortgage was done by Wells Fargo without my knowledge, without my consent, without my signature, without lawful reason! I have no knowledge as to the terms of this Mortgage imposed upon me by Wells Fargo! 

I spoke to a Wells Fargo officer this morning asking how in the world Wells Fargo could have done this. He did not answer my question.

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 2020-12-10
Company: LEXISNEXIS
State: FL
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:
An erroneous item Bankrupty with on my credit report involving a judgment that the credit bureaus are claiming they verified through you. Federal Courts do not share this information with 3 Parties / Lexisnexis. Im aware such information is public information and they sold that information to my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During a time of XXXX BBva compass allowed someone to use my identifying information to open several loans and account and bank accounts.

Company response to consumer: Closed with explanation